Madison bankruptcy attorneys do more than just help their clients file for bankruptcy. There are many Madison bankruptcy attorneys who actually go the extra mile because they genuinely care about the financial well being of their clients. For this reason, some Madison bankruptcy attorneys offer post bankruptcy services to his or her clients. One of the requirements for bankruptcy filers, under new federal bankruptcy guidelines stipulated by the Bankruptcy Abuse Prevention Consumer Protection Act of 2005, is that they must attend a financial counseling seminar or session. Upon successful completion of this requirement, filers can seek federal bankruptcy protection. For some, this may be all the financial help that they need in order to get back on the right track. For others though, it is much deeper than that. They may need tips or advice specific to their individual situation and continuous help from a financial expert if they are going to emerge triumphant from bankruptcy. The habit of buying expensive things that one cannot afford can certainly lead to one filing for bankruptcy. Vehicles are no exception when it comes to leasing versus purchasing a vehicle. People who feel that they absolutely have to have the newest ride every couple of years with little regard as to if they can actually afford it or not can find themselves in serious financial trouble. Entering into a lease allows you to upgrade to a new vehicle every few years. Most maintenance is covered and you avoid investing in a depreciating object. On the other hand though, you become trapped in a monthly car payment. If you purchase a vehicle and pay it off in about three years then you can drive the car for another five to seven years without a monthly car note. The key here is to purchase a car that you can afford to pay off in a few years.