If you’re facing bankruptcy, there isn’t a good cookie-cutter approach that works for everyone. Each person has different assets and debts owed, and payment plans can be personally tailored to best meet individual needs. If your lawyer doesn’t realize that, then you could end up worse off than you were before.
The same principle applies to criminal defense. If your lawyer recommends a plea bargain right off the bat without actually assessing the details or police work, you run the risk of getting a criminal record when you might otherwise have been proven innocent. There is no room for lawyers who don’t care.