Bankruptcy Counseling

Bankruptcy should be considered a last resort. There are the obvious drawbacks to filing for Bankruptcy such as tarnished credit for up to 7-10 years. Do your due diligence and study all of your options. For instance, consider a debt management plan, negotiating on your own; and even explore all of the details of different bankruptcy options (7, 11, 12 and 13). If after evaluating your situation and all avenues to resolve your unpaid debts you come to the conclusion bankruptcy is your best option you will then need to follow federal requirements before filing for bankruptcy.


You must generally receive credit counseling from a government-approved organization 180 days before you file. Requirements include:

Pre-bankruptcy Counseling

Pre-bankruptcy counseling will provide you a personal financial evaluation and help you further ascertain if bankruptcy is undoubtedly your best option. A certificate should be issued to you upon completion of counseling.

Post-Filing Debtor Education

Debtor education should increase your understanding of money management and credit. After completion, a certificate of proof should be given to you.

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