Among the new necessaries introduced by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, were the necessaries that each debtor seeking to file for bankruptcy shelter finish the pre-filing bankruptcy debtor credit counseling course offered by a heap of new US Trustee-approved course providers. 

 

The new necessaries mandate that buyer debtors ought to finish one of these US Trustee approved programs of “Credit Counseling” prior to filing either Chapter 7 or Chapter 13 bankruptcy. Your bankruptcy attorney will have to receive a copy of the course completion certificate prior to filing your bankruptcy and file this certificate along with your Chapter 7 or Chapter 13 bankruptcy petition to the US Bankruptcy Court or face a motion to dismiss your case for failure to file such a pre-filing bankruptcy credit counseling certificate.

 

In addition, prior to obtaining a bankruptcy discharge, the debtor ought to likewise finish a subsequent course of “Debtor Education” purportedly purposed at instructing the intermediate buyer how to handle buyer credit and debt. Whether such debtor education will curb future bankruptcies is of course subject to debate. 

 

Just as with the pre-filing credit counseling, prior to obtaining a bankruptcy discharge, one must file a pre-discharge “debtor education” certificate filings in order to obtain the discharge and finish the bankruptcy filing.

 

For a elaborated comprehensible statement of both pre-filing and pre-discharge counseling and debtor education course requirements please visit our internetsite which includes links to the US Trustee approved course providers.

 

Always seek the counsel of a licensed and experience bankruptcy lawyer when giving careful consideration to whether to file for bankruptcy protection.

Bankruptcy Credit Counseling Photo

Bankruptcy Credit Counseling Image

Bankruptcy Credit Counseling Image

Bankruptcy Credit Counseling Pic

Bankruptcy Credit Counseling Photo

Bankruptcy Credit Counseling Picture