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A person so deep in debt that he cannot pay his creditors tends to be desperate, and may depend upon a bankruptcy lawyer every bit as much as a criminal defendant would depend on a criminal lawyer. A bankruptcy attorney needs to understand basic mathematics, clear writing and personal negotiation. This is so that his client understands what must be done, the creditors can accept what the debtor can do, terms between debtor and creditor are kept as civil as possible, and no mistakes can be made that would further endanger the debtor.