Credit Card Counseling

As the standard procedure for bankruptcy changed under the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act, or BAPCPA, credit counseling has become a necessary step for those who intend to file for bankruptcy. By working through credit counseling sessions, either as an individual or with a group, possible alternatives to bankruptcy may be available to restructure your debt problems. If these sessions prove unsuccessful, bankruptcy becomes a viable option for debtors.

According to the law, if you intend to file for bankruptcy, it is necessary to enter into credit counseling within 180 days before your bankruptcy may be filed. No form of bankruptcy may be filed without counseling. Exceptions to this law are limited and require the intervention of a federal bankruptcy administrator or trustee.

The only person qualified to offer you legal advice on credit counseling or the details of the Bankruptcy Abuse Prevention and Consumer Protection Act is an attorney. Have a knowledgeable advocate keep you informed during your bankruptcy proceedings. Contact the Birmingham bankruptcy lawyers of [firm-name] at [phone-number].

Purpose and Parameters

While entering into counseling sessions, you can expect:

  • A confidential analysis of your financial status
  • A plan that reorganizes your spending to appease creditors and keep your life on track
  • Most creditors to be willing to work with counseling services to reduce the rate of payments
  • The potential for flexible methods of meeting for appointments that can include phone conferences and online correspondence as well as more traditional face-to-face meetings

Contact Us

Bankruptcy can prove to be a confusing, taxing process with numerous eligibility rules. We are standing by to offer you advice on your legal rights and options during these troublesome times. Contact the Birmingham bankruptcy lawyers of [firm-name] today at [phone-number].

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