Some areas of law are relatively straightforward, while others are maddeningly complex. As a result, some legal actions can be safely taken without the aid of an attorney, while others require experienced advice. For example, you would likely not need an attorney to help you before you signed a common cellphone contract with a major carrier. However, you would likely wish to consult with an attorney if you chose to file for divorce.
We have previously written about the fact that overwhelming student debt can be particularly tricky to navigate. This kind of debt cannot generally be discharged in bankruptcy save for the most desperate of situations. In addition, while some student debt can be consolidated and other debts can be deferred, deferments generally are only available for a certain period of time.