Counseling Requirements

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The new bankruptcy laws instituted several new requirements.  One of the most significant has to do with credit counseling. 

In order to even file for bankruptcy under either Chapter 7 or Chapter 13, you must now complete credit counseling with an agency approved by the United States Trustee's office.

Our offices will be happy to provide appropriate recommendations for qualified agencies in order to fulfill this new requirement. 

This credit counseling is required even if it is obvious that a repayment plan isn't feasible or if you are facing debts that you believe unfair and should not have or simply do not want to pay.

You are required, however, only to participate in the credit counseling.  You are not required to accept or simply go along with any repayment plan the agency proposes.

If, however, the agency comes up with a repayment plan, you will be required to submit this plan to the court, along with a completion certificate showing that you finished the counseling.  All of this must be completed prior to your filing for bankruptcy.

Once your bankruptcy case is over, you will also be required to attend another credit counseling session.  This counseling session focuses on learning how to manage your personal.  In order to obtain a final bankruptcy discharge wiping out your debts,  you will be required to submit proof of attendance at a qualified agency.

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