A debt settlement attorney can help you avoid bankruptcy and negotiate an agreement or discount on what you owe.  There are advantages to hiring a Santa Clarita bankruptcy attorney for your debt settlement. First, as an attorney, we are often shrewd negotiators, and this can turn out to be better savings for you. Second, we are detached from your debts and finances, unclouded by emotions or the history.  Third, as a bankruptcy lawyer, this may provide some leverage, as it signals that if the other side doesn’t bend and there is no agreement, you may do a bankruptcy and they’d potentially get nothing. And something is better than nothing.