1. It all starts with a phone call to schedule an appointment and for us to understand your situation. Feel free to unload your burden. That's what we're here for.

2. You will then meet with an attorney at one of our offices. Here you will have the undivided attention of a debt professional who will listen to your concerns and advise you on what options are available to you given your particular situation.

3. Together we will determine which debt-relief option is your best course of action.

4. At this point in the conference, you may choose to retain the firm and begin the process of resolving your situation. But remember, there is no obligation whatsoever on your part.

5. You may ask yourself, "How can I afford to work with an attorney when I'm having a hard time paying my bills?" Simple. We make it easy. Affordable fees and payment plans. Plus, most people who retain us stop paying their credit card bills immediately, thus freeing up cash flow.

6. Once you retain The Cohen Law Firm, we will address any short-term financial emergencies you may have and begin working on your long-term solution. During this process, if you have any questions, feel free to call us at any time. We take all our client calls.

7. If we're representing you in a bankruptcy action, you may direct your creditor calls to us. We will put a stop to their harassment. If creditors become abusive, we will help you fight back enforcing the provisions of the Fair Debt Collection Practices Act.

8. As your case moves to completion, your attorney will assist you in developing strategies to rebuild your credit and get on with your life. This may include our assistance in securing a mortgage to refinance your home, or to help buy your first home. Should you desire, we will also refer you to the right professional help for credit repair.