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Credit Counseling


Credit Counseling

A Debtor Education course must also be completed prior to the discharge of the filer's debts. Credit counseling courses must be approved by the Department of Justice's U.S. Trustee Program (Alabama and North Carolina have a separate process). Bankruptcy filers must have a certificate validating that they have completed the credit counseling course prior to filing for bankruptcy. Credit counseling includes: 1) review of the filer's financial situation 2) evaluation and discussion of bankruptcy alternatives 3) personalized budget. Counseling can be completed online, in person or over the phone. Fees are charged for counseling but may be waived if the filer can not afford to pay them. Counseling fees can vary but generally cost approximately $50. All fees should be outlined prior to the counseling session. Certificates of completions should not cost extra.

Post-filing debtor's education courses are also provided as part of credit counseling and provide information to 1) develop a budget 2) smart credit practices 3) proper money management techniques. Debtor's education can also be done in person, online or over the phone and can range in cost ($50-$100). Debt education fees may also be waived. Certificates are required as proof of completion of post-filing debt education.


More Help on Credit Counseling

  • Debtor Education - The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) requires Chapter 13 Bankruptcy filers to complete a course in \"personal financial management\" prior to filing for Bankruptcy. - read more

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The two most common consumer bankruptcies are Chapter 7 and Chapter 13, our sponsoring lawyers handle these types exclusively so you can be sure you are getting accurate legal advice when you file bankruptcy. Our Bankruptcy attorneys will fight to protect your rights and your property, fight the aggressive and annoying creditors for you, and they can help you keep your home, vehicles and other property.

A lawyer will be committed to getting you debt relief and providing you with valuable information, services and advice to get you a better financial future. There are many convenient locations to make filing bankruptcy or learning about the alternatives we offer, even easier.

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