Caller: *on the phone* “My house is going to be foreclosed on next week! Please help! I can not lose this house; please help me save it!”

Me: “Okay. We’ll email a bankruptcy questionnaire to you right away. Please fill out as much as you can and get it back to us ASAP.”

(I email her the packet, which asks basic questions like how much you owe your creditors, what are your assets, how much do you make, etc. The caller phones back 15 minutes later.)

Caller: “That’s just too much information! Never mind, I’ll just give up the house.”