Experienced Assistance From A Consumer Credit Counseling Attorney
Before you can obtain debt relief under the new bankruptcy law, you must complete a consumer credit counseling course before and after your bankruptcy filing. At the Law Office of Paul L. Urich, P.A., in Orlando, Florida, I offer a free initial consultation to explain how to meet these credit counseling requirements.
Consumer credit counseling courses are provided by a nonprofit counseling agency that has been approved by the U.S. bankruptcy trustee. You will have a choice of several ways to complete the counseling course, including group and individual sessions. Once you complete your first credit counseling course, the nonprofit agency will provide you with a certificate that must be filed with the bankruptcy court along with your bankruptcy petition.
After you have completed your bankruptcy filing and your case has been approved, you will have to complete a second credit counseling course. Once the bankruptcy court receives your certificate of completion for the second course, your debts will be discharged. I will guide you through the process and advise you every step of the way.
Some people who file for bankruptcy neglect to take their second credit counseling course, thinking that once their bankruptcy case has been approved, they are finished. However, if you don’t complete the second consumer credit counseling class, the bankruptcy court can close your case without discharging your debts. You will then have to reopen your bankruptcy case in order to discharge your debts. This would result in additional court costs and attorney fees.