Due to COVID-19, we are offering consultations via telephone and video conference. In office consultations are also available via appointment with mask and social distancing requirements observed. We are open and here to help people in these trying times. Please don’t hesitate to call us if you have any questions! Learn More.

Get Financial Freedom Personalized & Skilled Representation

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. Our firm welcomes the opportunity to walk you through the bankruptcy process step by step, so do not hesitate to reach out today.

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.

Client Testimonials

  • He is respectful and down to earth with his approach to very complicated legal matters.

    “Hensel Law Office has helped me during a very difficult time in my life. Tom has done a wonderful job with my Chapter 13 case. He always kept in touch with me and explained everything in terms I could understand. I would highly recommend Mr. Hensel to anyone who is facing any bankruptcy filing. He is respectful and down to earth with his approach to very complicated legal matters.”

    Sandra

  • His knowledge and expertise made a very difficult time in our lives much easier.

    “From start to finish our experience with Mr. Hensel was great. He carefully and thoroughly explained the entire process to us and was always available for any questions or concerns we had. His knowledge and expertise made a very difficult time in our lives much easier. We are very thankful for his help in our situation.”

    Christine and John

  • Tom was the most professional.

    “I researched 3 attorneys before signing with the Hensel Law Office for my bankruptcy proceedings. Tom was the most professional and he explained all of my questions without trying to make a quick buck on me. I would recommend Hensel Law Office to my friends or family going through a similar difficult situation.”

    Jerry

  • Thank you very much for getting us through this very hard time in our lives.

    “I just wanted to thank you very much, for getting us through this very hard time in our lives. You did an excellent job. If anyone I know is in need of a lawyer, we will surely give them your name. Again thanks.”

    John and Linda

  • Mr. Hensel walked me through every step.

    “I would highly recommend the Hensel Law Office!! Mr. Hensel walked me through every step, got my garnishments stopped very quickly (even got garnished wages returned to me!) and told me what to expect along the way. He answered all of my questions in a very timely manner- no matter what time I sent an email or gave him a phone call. Also, I felt his price was very reasonable compared to some of the other places that I called. Mr. Hensel answered plenty of questions that I had before I even became a client.”

    Carl