Bankruptcy Credit Counseling
What is Bankruptcy Credit Counseling?
Bankruptcy credit counseling is a mandatory requirement before you can file a bankruptcy. It is required by law.
Learn more about business bankruptcy. After completion of the bankruptcy credit counseling, the debtor obtains a certificate of credit counseling completion. This certificate is mandatory when filing a bankruptcy petition. A petition without this certificate is not considered as a valid petition by the court. Completion certificates of bankruptcy credit counseling must be issued by credit counseling agencies that have been approved by the U.S Trustee program. This pre-filling counseling requires a fee.
In addition to the pre-bankruptcy credit counseling, a pre-discharge debtor education is needed too. For a proper discharge, you must obtain a post-filling credit counseling certificate by taking a required course. The post-filing course requires a fee. This course must be delivered by an organization that is approved by the U.S Trustee program.
Call us if you want to fill bankruptcy and know more about bankruptcy credit counseling .
For a free 1/2 hour consultation with our expert bankruptcy lawyer Contact Christie Lee Law Office today about bankruptcy credit counseling or give us a phone call 209-910-5291
What is the content of a pre bankruptcy credit counseling course?
A pre bankruptcy credit counseling course lasts one hour or two. It can be taken in person, on the phone, or on line. If you cannot afford the fee, the organization is supposed to provide the counseling for free. If you cannot afford the fee, you must ask for a fee waiver from the organization before you take the session. Once you have completed the counseling, you get a certificate of completion. The agency delivering the course should be approved by the judicial district where you will file the bankruptcy.
What is the content of a post bankruptcy credit counseling course?
A post bankruptcy credit counseling course includes about creating a budget, managing money, using credit. It can be taken in person, on the phone, or on line. If you cannot afford the fee, the organization is supposed to provide the counseling for free. If you cannot afford the fee, you must ask for a fee waiver from the organization before you take the session. Once you have completed the counseling, you get a certificate of completion. The agency delivering the course should be approved by the judicial district where you will file the bankruptcy.
How to choose a bankruptcy credit counseling organization?
First a bankruptcy credit counseling as to be provided by a credit counseling organization that is approved by the judicial district where you will file the bankruptcy. Find out what approved courses the organization provide. Ask about their fees for each course you intend to take. If you cannot afford the fees, ask them if they will give the courses for free. Find out about the qualifications of their teachers and counselors. Find out if the teachers and counselors teaching the courses are accredited. Ask them with what degree of confidentiality they handle the personal information of their clients.
Call us if you want to fill bankruptcy and look for a bankruptcy credit counseling organization.
Want to find out more about bankruptcy credit counseling?
We give 1/2 hour free consultations – flexible scheduling
If you would like a free 1/2 hour consultation with our expert bankruptcy lawyer Contact Christie Lee Law Office today or give us a phone call 209-910-5291. Our office is conveniently located and open, 8:00am to 6:00pm. If you would like a weekend appointment, simply call and set one up. We are flexible with our schedule and most importantly want to get your problems resolved.
We have years of experience helping people file for bankruptcy under the US Federal Bankruptcy Law.
We primarily service clients in the Northern California region with our office in Stanislaus County. Many of our happy clients include residents from