When faced with a difficult financial situation, bankruptcy need not be your first or only option. People do not generally go into business or incur a debt without the intent to repay those debts. Often, people feel it is their responsibility to repay creditors at almost any cost. At The Tracy Law Group, we can negotiate with creditors to settle or restructure debts outside of bankruptcy. As a bankruptcy focused law firm, we provide leverage for clients negotiating with a creditor who would receive nothing if a client were forced into bankruptcy. Whether it is a business line of credit with a balloon payment or multiple credit cards, The Tracy Law Group can assist with negotiating a workout with creditors.