This region has been hard hit by the recession. San Antonio bankruptcy lawyers are busier than ever seeing clients from all levels of society. San Antonio bankruptcy lawyers are reporting that business year over year is up quite a bit. They are not taking any pleasure in this, as they are the ones who see the tragedy of job losses or the problems that come from unexpected bills. San Antonio bankruptcy lawyers are doing their best one by one to help people and in a small way stabilize the economy. Finding a lawyer is not difficult. Check the internet or with friends or relatives. If they have no names for you then check on the internet. If you cannot find a good reference from those sources, then there are church and community organizations that can supply you with some qualified names. When you visit with your lawyer you should not go in for any discussion without a plan. The plan should have goals of where you want to be in two, three or five years. Reorganizing your finances is not the end of the world but really the opportunity for a new start. Your lawyer may have some conservative advice for you: get on a budget; get a second job or sell some toys. Listen to the advice. Or you may be advised to file Chapter 7 or Chapter 13 consumer bankruptcy. Chapter 7 will have you selling your assets and repaying whatever you can to creditors. Or you may be told that Chapter 13 is the right filing for you. Chapter 13 has you keeping some assets and setting up a payment schedule to pay off creditors. No matter what the advice, your lawyer will work with you to help you reorganize your finances and get back to a healthy financial life. It's not often to get a second chance, so take advantage of it.