Bankruptcy is a viable solution that has helped hundreds of thousands of people and business get out of crushing debt. Before you file, however, there are a few things to keep in mind. This is, after all, a major life decision that should not be entered into lightly. The team of lawyers at Watson Law Firm, serving the Harrison, Arkansas, area, has more than 35 years of combined experience in a variety of legal areas, including bankruptcy law. Here they share three important things to know when filing for bankruptcy:

• You Should Explore All Your Options First: A bankruptcy filing is final and cannot be revoked. A Chapter 7 filing will stay on your credit report for 10 years, and a Chapter 13 will stay on for seven. Before you file, make sure you've examined all your other options, such as debt consolidation or one-on-one financial coaching. Your lawyer at Watson Law Firm will work with you to see if other options are available before you make your decision.
• You Must Successfully Complete Credit Counseling: Before your bankruptcy can be finalized, you must complete an approved pre-bankruptcy credit counseling course. The Department of Justice has certified several credit counseling programs through various institutions, and you must choose one of these to complete successfully; the results are filed with the bankruptcy courts. The lawyers at Watson Law Firm can point you to the right credit counseling course for your situation.
• You Want An Attorney Who Takes An Individualized Approach: No two bankruptcy cases are alike, so your lawyer shouldn't take a cookie-cutter approach. Find a lawyer who gives your bankruptcy the personalized attention it deserves. Watson Law Firm aims to educate clients, offers an individualized, one-on-one relationship, and is committed to assessing your needs and finding lasting solutions.

Call Watson Law Firm at (870) 704-4037 to schedule a bankruptcy consultation. You can also visit them online to learn more about their other practice areas, including services as divorce lawyers, criminal law attorneys, and personal injury counsel. Come experience for yourself how the right attorney can make all the difference during difficult financial times.