Monday, September 21, 2020

CREDIT COUNSELING CLASSES - BANKRUPTCY LAWYER IN HACKENSACK NJ (201) 646-3333

Credit Counseling Classes

HACKENSACK BANKRUPTCY LAWYER (201) 646-3333

Credit counseling is a crucial part of any bankruptcy case. In fact, it is required that you complete a briefing with a certified credit counseling agency that has been approved by the U.S. Trustee’s Office. Since October of 2005 this requirement has been in place, and a failure to complete credit counseling within 180 days prior to filing may result in the rejection or dismissal of your Chapter 7 or Chapter 13 bankruptcy case. After you complete your credit counseling course, you will receive a certificate of completion that must be filed with your bankruptcy petition.

The average cost for a credit counseling course is approximately $50, but the exact cost may vary depending upon what type of session you undergo and where you live. This briefing may be completed in person, over the phone or online. The basic steps of the briefing will usually include an evaluation of your finances, a personal budget plan and the discussion of alternatives to bankruptcy, if any.

Generally speaking, there are very few exceptions to the requirement that a debtor complete a credit counseling course prior to filing for bankruptcy. Bankruptcy court judges have little to no authority to waive this requirement, so it is important that you discuss this with your attorney prior to filing. A dismissed bankruptcy case may result in your being unable to file for a certain period of time.

Hi my name is Vanessa Malta and I am a client for Rafael Gomez. I do recommend him for any legal issues you may have. He has helped me out a lot his secretaries and staff are very friendly and very helpful. Give him a call, so he can help you out.


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