Michigan Credit Counseling Attorney
Who is required to undergo credit counseling in Michigan?
If you have made the decision to file for bankruptcy in Michigan, it is
important to understand that you will be required to complete numerous
pre-filing requirements before submitting your petition to the court.
In fact, your case could be dismissed or rejected if you fail to complete
an approved credit counseling course within the 180 days leading up to
your filing—as this became a mandatory requirement for all personal
bankruptcies in October of 2005. For this reason, the Michigan bankruptcy
attorney at Hensel Law Office, PLLC asks you to take the time to adequately
prepare for the process ahead. While this may seem like nothing more than
an inconvenience, credit counseling is a crucial part of any
Chapter 7 or
Chapter 13 bankruptcy case.
Understanding the Basics of Credit Counseling
In order to successfully request a discharge of debt from the
bankruptcy court, you will need to first undergo a credit counseling course that
has been approved by the U.S. Trustee's Office. It typically costs
about $50 for a 60 to 90 minute session, but you can request a fee waiver
if you cannot afford to pay. Once you have selected a credit counseling
agency, you can complete the course in person, over the phone or online—wherein
you will discuss all possible
alternatives to bankruptcy, evaluate your finances and develop a personal budget plan. At the conclusion
of the session, you will receive a certificate of completion that will
need to be included in your bankruptcy petition. If this certificate is
not submitted with the rest of your paperwork, your case could be rejected.
How do I know if the credit counseling agency is approved?
While you can find a credit counseling agency that has been approved by
the U.S. Trustee's Office by signing up through a reputable online
service, our firm recommends that you move forward under the advisement
of a Michigan bankruptcy lawyer. In doing so, you can ensure that your
case is not dismissed or subjected to any unnecessary delays. For this
reason, we encourage you to get started today by
contacting our office for a free consultation. When you call at (888) 258-0651, you will have
the opportunity to schedule an appointment at your own convenience—even
if it's in the evening or on the weekend. Our firm welcomes the opportunity
to walk you through
bankruptcy process step by step, so do not hesitate to reach out today.