One court requirement for completing your bankruptcy petition is enrolling for and completing an approved credit counseling course. (See the United States department of Justice Trustee Program for a list of approved courses). The requirement includes both a credit counseling and debtor education component. Having trouble keeping up with your bills? Call attorney Michael Siddons to discuss bankruptcy credit counseling. Contact the Law Office of Michael Alan Siddons, Esquire, for more details and help with all requirements for your bankruptcy petition.
There are no exceptions. You must have a certificate of completion for the counseling course at your bankruptcy hearing. An experienced bankruptcy lawyer will ensure you are prepared for your hearing by making sure you have your course certificate and any other needed documents with you. The requirements for credit counseling will not be waived by any judge. The Law Office of Michael Alan Siddons will help guide you through all the legal requirements and ensure you are ready for your bankruptcy hearing by providing you with personalized attention. Learn more about credit counseling today.
All individuals filing for bankruptcy must complete a credit counseling course approved by the U.S. Department of Justice. Some approved agencies offer the credit counseling course online, by live chat or email or by telephone. Generally, completing the course takes about 2-3 hours. The cost of credit counseling services varies, but tends to run between $35 and $50. Courses must be completed within 6 months of your hearing. However, you will be required to retake the course (and pay the fee again) if your certificate is more than 6 months old.
Having an experienced attorney to represent you in a bankruptcy hearing can make a big difference. A good attorney will make sure you have all of the required paperwork and will assist you with attaining your credit course certificate. By doing so, a good lawyer will provide you personalized service, with attention to details, that can ensure your bankruptcy hearing goes smoothly, with no surprises or setbacks. Completing applications all over again, refiling, repaying the filing fees, and taking more time off to appear at a hearing again are all things you don’t want to have to do. Ultimately, being ready for your hearing will save you not only time but money. Hire an attorney for bankruptcy hearing to get started.
With a less experienced lawyer, you may not be notified of the requirement to complete credit counseling courses. Showing up to your bankruptcy hearing without this course being completed and without proof of completing it will force you to file for a continuance. Your lawyer will often be reprimanded for this shortcoming by the judge – a situation that, at the very least, is not optimal. If you are representing yourself, the judge may opt to show you mercy and allow a continuance, or may simply choose to dismiss your case. If your case is dismissed, you will have to redo and resubmit all paperwork. This will mean that you have to pay the filing fee all over again. Don’t waste your time and money. Hire an experienced lawyer like Michael Siddons to represent you and personally handle your case.