Do I have to go to Credit Counseling?

Yes. The bankruptcy laws require that people who file for bankruptcy complete credit counseling within 180 days BEFORE filing for bankruptcy, from an approved agency. Your bankruptcy attorney can provide you with information on how to select an approved agency in your area.  Many people do the counseling online.  Be sure to give your lawyer a copy of your certificate of completion.

Carol O'Connor Cadiz
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Attorney & Owner at O'Connor Cadiz Law: Bankruptcy, Injury, Real Estate & Mediation