Yes — Fortify is valuable even if you’re considering bankruptcy or settlement, because it shows your real exposure before you make a major decision. Fortify helps you understand whether your creditors are likely to escalate, which of your assets are actually protected under state law, and the risks and timing involved if you wait. It also outlines the practical, non-bankruptcy strategies that may still be available to you. Many clients use Fortify to make a more informed choice — or to avoid unnecessary financial damage by acting sooner.