One of the questions that usually comes up with clients is should I try debt consolidation instead of filing bankruptcy. A lot of times what I find is that clients come to me after being in a debt consolidation program for six months and paying a large amount monthly and not really seeing any benefit. Their balances are still high, their credit score is still low, whereas filing bankruptcy provides an opportunity to either eliminate the debt completely or pay much less monthly than you would in a debt consolidation program.