Should I speak to a debt specialist or negotiator before filing bankruptcy? Debt is about 200,000.00

It doesn't hurt to talk to anyone, but I would highly advise that you have a consultation with a bankruptcy attorney before making any decision.   People seem to have the misconception that by merely speaking to a bankruptcy attorney, that means they have filed a bankruptcy case ---or are obligated to.    That's beyond belief.  Most competent bankruptcy attorneys only file cases for about 20% of the people that come in for consultations. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.