credit counseling san jose

Among the new requirements introduced by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, were certain requirements that each debtor seeking to file for bankruptcy protection complete the pre-filing bankruptcy debtor credit counseling course provided by numerous new US Trustee-approved course providers.   credit counseling san jose
  
The new requirements mandate that consumer debtors must complete one of these simple US Trustee approved programs of "Credit Counseling" ahead of filing either Chapter 7 or Chapter 13 bankruptcy. Your bankruptcy attorney must be given a copy of the course completion certificate ahead of filing your bankruptcy and file this certificate along together with your Chapter 7 or Chapter 13 bankruptcy petition to the US Bankruptcy Court or face a motion to dismiss your case for failure to file this kind of pre-filing bankruptcy credit counseling certificate.

Additionally, ahead of obtaining a bankruptcy discharge, the debtor must also complete a future course of "Debtor Education" purportedly aimed at teaching the common consumer how to handle consumer credit and debt. Whether such debtor education will curb future bankruptcies is of course at the mercy of debate.  

Just just like the pre-filing credit counseling, ahead of obtaining a bankruptcy discharge, one must file a pre-discharge "debtor education" certificate filings in order to obtain the discharge and complete the bankruptcy filing.   credit counseling san jose

For an in depth explanation of both pre-filing and pre-discharge counseling and debtor education course requirements please visit our website which include links to the US Trustee approved course providers.