If you are struggling to pay your credit cards, medical bills, or other financial demands, you cannot afford to sit idle. Merely making the minimum payment on your debts only makes you fall further into debt. File bankruptcy on your own is a risk and often a costly mistake that you can afford.  Debt relief agencies, more often than not, will make your situation worse. A Free consultation with a Miami Bankruptcy Lawyer from Miceli Law, P.A. is a no-cost option to learn about Bankruptcy can help you.