Friday, February 10, 2012

Credit counseling

Before you can file your bankruptcy case, you will have to obtain a certificate from an "approved" credit counseling agency.  In order to get the certificate you generally go through an interview process with the repesentative of the counseling agency.  The interview will relate to your income and expenses, and the obligations that you owe.  The interview may be in person, by telephone, or on the internet.  You will have to pay a fee, typically $ 50.00 or less for the agency to issue the certificate to you.  You can see a list of government approved credit counseling agencies at


  1. Whether or not you are getting a lawyer to help you, you need to know what you are doing in your bankruptcy case so you don’t get burned.
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