Under the new law. an individual debtor is prohibited from filing a bankruptcy unless the individual has received a briefing from an approved nonprofit budget and credit counseling service prior to filing a bankruptcy petition, unless the U.S. trustee or bankruptcy administrator determines that the service for the district in which the debtor lives is not reasonably able to provide adequate services to the additional individuals who would otherwise seek credit counseling because of such requirement. The law exempts from such prerequisite a debtor whom the court determines is unable to comply due to incapacity, disability, or active military duty in a military combat zone. The law also conditions a Chapter 7 or Chapter 13 discharge in bankruptcy upon the debtor's completion of an approved instructional course concerning personal financial management.
Our law office will guide and provide you with a list of credit counseling providers approved by the Bankruptcy Court. We make bankruptcy as easy as possible. Our staff attorneys are registered with multiple credit counseling organizations to assist you in expediting receipt of the required credit counseling certificate.