Bankruptcy is not the problem; it is the solution to the problem On most days I get a call inquiring about bankruptcy that starts like this: Caller: I don’t know what to do. I just received a summons for a credit card that I owe money on. I have been paying a company to deal with creditors. They told me not to pay my bills. I have been sending this company money for months. Now after sending them several thousand dollars, I am being sued! Can you help me?