Dupage County Credit Counseling Attorney

To file bankruptcy, under federal law, you must first complete a credit counseling course. This must be completed with an accredited agency and completed within 180 days before filing bankruptcy. It can be done online, on the telephone, or in person. The certificate you receive on completion of the course must be filed with your bankruptcy petition. Most approved credit counseling agencies charge $20 to $50 for the course. At the Law Office of Joseph P. Doyle, we are highly experienced in the bankruptcy process. We are dedicated to high quality representation of clients facing difficult financial situations.

Credit Counseling Lawyer: Personal Legal Assistance

You can expect a review of your income, assets, debts, and expenses in a credit counseling course. The agency will evaluate your finances, and in some cases, they will prepare a repayment plan for you to follow. You are not required to follow the agency's repayment plan, only to attend and complete the course. The purpose of credit counseling is to determine if you have any alternatives to bankruptcy for resolving your financial situation. In many cases, the course confirms that bankruptcy is the only workable option. If bankruptcy is the best solution for you, our experienced Dupage County bankruptcy lawyers will guide you through every step of the process.

Importance of Completing Credit Counseling

Congress made credit counseling a requirement for filing bankruptcy in 2005. Judges have little or no authority to waive this requirement, and there are very few exceptions. If you file a petition for bankruptcy and fail to complete the credit counseling, the court could dismiss your case. If you anticipate any difficulty completing the course, it is important to discuss this with your attorney before you file. Contact our firm for personal, compassionate and experienced legal representation.