Commercial lawyers will defend your company from creditors. They may assist business owners with clearing loans and applying for more time to reformat and reorganize the company. As for the consumer bankruptcy lawyer, this type of legal expert should defend you and your spouse when you face the issue of bankruptcy. When you stay with no money in your pocket or bank account (or elsewhere), you risk facing many troubles, including the legal issues. Some of the things include coming up with new payment plans and clearing loans.