In light of COVID 19 and all of the issues it has thrust upon us, it is crucial to avoid making short-term financial decisions that will have long-lasting effects. Even if you are not considering bankruptcy, a bankruptcy lawyer can give you insight on how to make sound financial decisions now so you can avoid bankruptcy in the future. Procrastination is not a financial strategy. Taking action now to address debt proactively can give you more options that may be lost because of inaction.