There may be, especially if the amount of unsecured debt you have is not overwhelming. Easily half the people who meet with me do not need to hire me for a bankruptcy in Houston. Many families have never done a budget, and I am able to help them find ways to cut expenses and get back on their feet without use of professional help. Other folks choose to have me negotiate their debts for them. Whatever their choice, I offer a one hour initial consultation to assess your situation and give you sound advice. See also our page on alternatives to bankruptcy.