Many of our clients say that they think about contacting us for weeks, months or even years before finally picking up the phone or filling out our contact form online. That’s because meeting with a bankruptcy lawyer can feel very intimidating. However, it doesn’t have to be.

Here are a few things that you should know about meeting with a bankruptcy lawyer for the first time, which will probably put your mind at ease.

1. You don’t have to be ready to decide if bankruptcy is right for you.

When you call a bankruptcy lawyer, you don’t have to have your mind made up that you are going to file. In fact, you should wait until you talk to a lawyer about your options before you make a decision.

The lawyer you speak with can give you more information about what the legal process is like, and then he or she can give you advice about if it makes sense for your situation.

2. You don’t have to worry about being judged.

Bankruptcy lawyers help people facing your exact same situation every day. There is nothing that you can say that will cause the lawyer to judge you or think poorly of you. We are in this business because we know that good people run into hard times, and they deserve help, not judgment.

3. You don’t have to pay for your initial consultation.

Our firm offers a free initial consultation, which means an experienced bankruptcy lawyer will give you a 30-minute case evaluation without charge. Working with a small law firm like ours also means we are able to keep legal costs down, should you decide to file.

4. You don’t have anything to lose.

Being overwhelmed by debt is not a good feeling. You might have creditors calling you and sending you letters, or you may be in jeopardy of losing your home or vehicle. No matter how bad the situation is, facing it will only make things better.

Meeting with a bankruptcy lawyer is not admitting defeat or failure. It is taking the first step to regain control of your life.