When I started to work with the city, I realized that I was going to be working alongside our attorneys every single day. While I was a little nervous around them at first, we quickly became friends and all of that anxiety melted away. It was really neat to see how many different subjects they could handle, and I realized just how necessary they were for helping me to manage various daily occurrences. On this website, I thought it would be really great to start talking about how to work with lawyers, and what it might mean for you and your family if you seek legal advice early.
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Don't Overlook The Credit Counseling Requirement When Filing For Bankruptcy
Cassandra Stone
When you are filing for Chapter 7 bankruptcy, there are several requirements you are expected to meet. One of those is to participate in credit counseling. If you do not complete this process, your petition might be dismissed. Therefore, you'll want to talk to your bankruptcy attorney about how to meet this requirement.
The Role of Credit Counseling
Your debts will not be fully discharged under Chapter 7 bankruptcy unless you complete the certificate of credit counseling. Credit counseling costs money and is also meant to deter you from filing for bankruptcy. While filing for bankruptcy is a great option for many debtors, the courts do not want debtors to file for bankruptcy when it is not necessary. Also, if you participate in credit counseling, the courts hope that you won't make mistakes that lead to Chapter 7 being necessary again.
What You Can Learn
By participating in credit counseling, you might discover that you have better options besides filing for bankruptcy. For example, you might decide that you're better off pursuing a debt consolidation loan. You will also learn about the upsides and downsides of filing for bankruptcy. However, you are better off learning this from a bankruptcy attorney because they will be held more accountable if they offer you bad advice.
Why You Also Need a Lawyer
You will want a bankruptcy attorney to provide you with advice throughout this process because only your bankruptcy attorney is required to represent your best interests. After you have completed your credit counseling course, a trustee will examine your petition and will determine if you have met all the requirements.
How to Find a Program
Fortunately, it's easy to find a full list of credit counseling agencies through the trustee program. You will want to select an approved credit counseling program so you will be allowed to use it to discharge your debt.
How to Pay for the Program
While you are required to pay a fee, you may be unable to pay for it if you are unemployed. Fortunately, you may be able to waive the fee. However, the fee is not typically very expensive. You are allowed to send the patent through the mail but this can slow down the process of receiving your certificate of credit counseling. Therefore, it might make more sense to pay electronically.
Once you have completed the program, you will want to discuss your bankruptcy with your bankruptcy lawyer. They will make sure that you follow all of the other necessary steps to complete your bankruptcy.
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