Sacramento is feeling the effects of the current recession in a bad way. Sacramento bankruptcy lawyers are busier than they have ever been, and there is no sign that their business will slow down. Sacramento bankruptcy lawyers are helping their many distressed clients restructure their finances and thus are helping, with each one, to stabilize the local economy. It is a rewarding yet difficult job, as bringing creditors and debtors together is no easy feat. Not to mention dealing with courts. Sacramento bankruptcy lawyers report that they are seeing clients from every strata of economic life. There are blue collars, white collars and pink collars in their offices. All are hoping that they can get through the process with a minimum of pain. All are there because they got in financial trouble. Some were overextended and lost their jobs or had unexpected expenses. Almost all arrived to talk with their lawyers in a state of confusion. All had to find lawyers. Some asked relatives or friends for a referral. Others turned to the internet. Either way, they connected with a lawyer and are now sitting fact to face and are clueless as to what to expect. If you find that you are in financial trouble it is better to take action sooner rather than later. Most of the time a financial disaster does not reverse itself. You will need help, so why not seek it out before a situation goes from bad to worse? Your lawyer may advise you to file Chapter 7 or Chapter 13 bankruptcy. Chapter 7 will have you sell assets and repay creditors. Chapter 13 will have you set up a schedule to repay your creditors. Or your advice may be more conservative, such as getting a second job or selling some toys. You and your lawyer can work together to settle with your creditors and help you on a better financial course.