Do I Need Debt Counseling Before Bankruptcy
A San Jose bankruptcy lawyer answers whether bankruptcy will help with credit card debt...
The short answer as to whether a Bay Area consumer in debt needs debt couseling before bankrutpcy is: YES! But before you cringe, realize two things:
Debt Counseling before bankrutpcy can only help in the future of your financial success (and that applies to anyone, even those that file bankruptcy due to unforseen circumstances rather than poor money management).
Debt Counseling before bankruptcy is an integral component of the bankuptcy filing process.
debtor education and credit counseling are the two debt counseling courses that bankruptcy filers must complete prior to their bankruptcy being discharged. But don't let the fear of debt counseling stop you from looking into bankrutpcy as an option for you. The courses are easily acessible and can be taken online, over the phone or in person. A responsible bankruptcy firm, such as Sagaria Law can provide resources for debt counseling and walk you through the process. We even have computer stations at our offices so that you may take the debt counseling courses right here.
If you have a question regarding Bankruptcy in San Jose please contact us at 408.279.2288 or visit www.bkanswers.com and we can connect you with one of our experienced San Jose Bankruptcy Attorneys. After you have spoken with one of our San Jose bankruptcy attorneys we can schedule you a free face to face appointment in our office location nearest you. Our team of San Jose Bankruptcy Lawyers can assist you with all aspects of your case. If you have questions about filing a chapter 7 bankruptcy, a chapter 11 bankruptcy, a chapter 13 bankruptcy, lien stripping, cram down, stopping a foreclosure or wage garnishment, discharging debt, etc. we can help! We have bankruptcy attorneys located throughout California who can assist your financial needs. Please feel free to complete our free bankruptcy evaluation and we can quickly determine if you are a qualified candidate for bankruptcy.
