Zachary J. Kluck is a partner at Zerbst & Kluck, S.C. and focuses his practice primarily on bankruptcy and other debtor/creditor issues. Various options to get rid of your debt exist and the advice on which path to take is different for every individual based on their needs and circumstances. Some such options are filing a Chapter 7 or Chapter 13 bankruptcy, amortizing/consolidating your debts into a state Chapter 128 proceeding, negotiating with creditors, or even doing nothing at all. Zach will sit down with you, discuss your situation, tailor the advice to your needs, and explain the process for achieving your goals.