If you live in Indiana's capital and are struggling immensely in the financial arena then you may want to consider contacting an Indianapolis bankruptcy attorney. An Indianapolis bankruptcy attorney can help you sort through the financial ruins and tell you if bankruptcy is a viable option for your particular situation. In some cases, things may not be as bad as you initially thought and there may be things that you can do in order to help you avoid bankruptcy. If that is the case then your Indianapolis bankruptcy attorney can give you some advice on how to get started with that. For example, you should contact your creditors either via letter, email or telephone and advise them of the circumstances that you are experiencing. It is important that you inform them that you have contacted an attorney and that you are on the verge of bankruptcy but that you are doing everything that you can to avoid having to file. Ask for their help. They are likely to oblige in some way, shape, or form because if you file for bankruptcy then they will have to write the loss off as a bad debt and won't get any money at all. Ask about the details of any financial hardship programs that you may qualify for and consider any settlements that they may want to offer you. Depending on the size of the debt, they may not be willing to take a loss on it just yet so they may be just as motivated as you are to reach a mutual agreement to somewhat satisfy both parties. This could mean things like suspending over the limit fees, changing the payment due date, changing or lowering the minimum monthly payment, decreasing the interest on your current balance or eliminating it altogether. You will not know the options that are available to you unless you ask just as your credit card company will not know that you are going through hardships if you do not tell them.