Do I Need Credit Counseling in Bankruptcy?
A San Jose bankruptcy attorney helps answer: Do I Need Credit Counseling?
Q: Do I have a to take a credit counseling course if I file for bankruptcy?
According to the US bankruptcy code, very person who files for bankruptcy is now required to take two credit counseling courses. The first credit counseling course (also known as the pre-petition filing course) must be taken within 180 days of filing your bankruptcy petition. Your credit counseling certificate of completion must be filed with your bankruptcy petition.
You are required to take a second credit counseling course after the petition filing, but before the discharge of your bankruptcy. Similarly, the credit counseling certificate of completion must be filed with the court.
Q: Where do I find these credit counseling courses?
The credit counseling course must be one approved by the US Bankruptcy Court. Luckily, a wide variety of the credit counseling courses can be taken online for a minimal fee. (You can find courses that cost no more than $25 to $35.)
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.
