Why do I need another course if I did Credit Counseling before I filed for Chapter 7 Bankruptcy?

Federal Bankruptcy laws require not only credit counseling before you file, but also debtor education after your case has been filed with the court. Most approved agencies offer both for a discounted rate. Its just a part of the process, so try to get what you can out of it. Your bankruptcy lawyer may be able to recommend a credit counselor. 

Carol O'Connor Cadiz
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Attorney & Owner at O'Connor Cadiz Law: Injury & Accidents, Disability Insurance.