My mom got out of debt the bad way!

When my mom was getting out of debt she used this attorney who pushed her into a bankruptcy and was very upset about it.  I told her she should look into credit card debt settlement but she told me she never heard about it until it was too late and she was already in the process of going through a bankruptcy proceeding.  Can most people avoid this? YES but most will not hear about this process until it is too late and that is pretty a shame but in the future will be of help to them, once they are debt free life will be easier to live again.