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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 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

  • You made a difficult experience so much easier.

    “Back a few years ago, you helped me through a bankruptcy. I still tell people how you made a difficult experience so much easier, with your clarity, support, and friendly approach to the law. I'm still very appreciative for all your help – it really helped to pull me out of a difficult place and put my life back on track.”

    Eric

  • Professional, competent, empathetic attorney.

    “My husband and I were forced into a position to file for Chapter 7 bankruptcy. We were devastated and mortified that we had to choose that route, but Tom eased our stress about the filing and court hearing process, as he thoroughly explained what Chapter 7 entails, as well as exactly what to expect during and after the filing process; he was accurate on each point that he advised us on. Tom also kept in frequent contact with us and responded quickly to any questions or concerns that we had while we worked with him. Tom's expertise and tact was invaluable for us, and we will absolutely recommend him to any of our friends and relatives that may find themselves in similar positions to ours. Thank you, Tom, for your dedicated help during this process.”

    EJO

  • 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

  • Utmost dedication and professionalism.

    “I chose to work with Tom Hensel after meeting with several big name firms in the area. Tom handled my unique situation with the utmost dedication and professionalism. The personal service I received from him made all the difference in my case. My only regret is that I didn't call him first.”

    Craig