Austin Bankruptcy Required Credit Counseling Attorney
Bankruptcy Laws Require Filers to Complete Financial Counseling Courses
Before you can file bankruptcy, required credit counseling courses must be completed. United States bankruptcy laws also require bankruptcy filers to complete a pre-discharge financial management course. This is true for both Chapter 7 bankruptcy and Chapter 13 bankruptcy.
If you are considering filing bankruptcy, required credit counseling and pre-bankruptcy discharge financial management courses should not discourage you. I have practiced bankruptcy law in Austin for 15 years, and I have observed that these required credit counseling courses are not a difficult hardship. In fact, many of my clients learn helpful financial management skills that they are happy to bring with them as they make a fresh financial start.
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Consumer Bankruptcy: Required Credit Counseling Before You File
Anyone filing Chapter 7 or Chapter 13 bankruptcy must complete an approved credit counseling course before filing the bankruptcy paperwork. Your certificate of completion must be filed with your bankruptcy paperwork. The course may be completed via the Internet at any time of day that is convenient for the bankruptcy filer. Courses are also offered over the telephone and in person.
Topics covered include:
- The bankruptcy process
- How to make and use a household budget
- How to manage your credit and reduce debt
- Alternatives to bankruptcy
Consumer Bankruptcy: Pre-Discharge Financial Management Course
Before your bankruptcy discharge order can be entered, you have to complete another course, this one on financial management skills. Like the credit counseling course, this course can be completed online, by phone or in person. Topics covered include:
- Budget development
- Money management
- Wise use of credit
- Consumer assistance resources
Free Consultation With a Texas Pre-Discharge Financial Management Attorney
The credit counseling and financial management courses required under U.S. bankruptcy law can be useful resources if you are trying to resolve serious financial difficulties. I am happy to provide more information about these courses in a free consultation. Call 512-501-1948 or 888-893-5886 to reach my law firm, or contact me online
