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Bankruptcy Lawyer

What Courses are Required Before and After Bankruptcy?

What Courses are Required Before and After Bankruptcy?Every debtor is required to complete certain requirements when filing for personal bankruptcy. One such requirement is completing approved debtor education classes. These classes are important not only to help ensure the bankruptcy is completed successfully, but they can also help the debtor begin to rebuild his or her credit once all applicable debts have been discharged.

Those who are filing for either chapter 7 bankruptcy or chapter 13 bankruptcy must obtain credit counseling from a government-approved organization. The class must be completed at least one day before filing for bankruptcy. If the certificate of completion is not filed with the petition for bankruptcy, the bankruptcy court clerk will send a notice of deficiency. Debtor will have 15 days from the date of the notice to file the certificate of completion of credit counseling.

Once a debtor has filed for bankruptcy, he or she must then complete a debtor education course. This class will teach consumers how to manage their money and credit wisely and how to create a budget. As with credit counseling, debtor education must be obtained through an approved provider, and a certificate of completion will be issued. Lists of approved credit counselors and debt educators can be obtained at the district bankruptcy clerk’s office.

If you have been considering filing for bankruptcy, our bankruptcy lawyer in California can guide you through the process and help you enroll in the proper classes. Our attorney can attend the meeting of the creditors and perform any necessary negotiations, provide you with legal advice, and assist you in filling out the bankruptcy forms and necessary legal documents.

Filing for personal or business bankruptcy is an extremely complex procedure, and mistakes can cost you your discharge and even lead to legal complications. Our Los Angeles bankruptcy attorney can help you protect your assets through bankruptcy exemptions as well as ensure your petition is properly filed and that all paper work is filed on time.

To learn more about your options or to schedule a consultation, contact us today.

Source: Los Angeles Bankruptcy Attorney

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