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Legal Helpers Tip: You should not be billed to consult with an attorney to learn whether or not filing bankruptcy is the appropriate choice for your situation. All experienced, reputable bankruptcy law firms offer a free consultation. This is not a geographical issue. Whether you select Indiana bankruptcy lawyers or Phoenix bankruptcy lawyers, personal bankruptcy lawyers will offer a free meeting to determine if one should consider filing. If it appears a bankruptcy filing is appropriate, they will also advise which option - Chapter 7 or Chapter 13 - is best for you. It's important to be clear, complete and honest with your bankruptcy lawyer so they can advise you properly; a critical error in judgment, yours or theirs, could become very expensive.