CALL NOW!
FREE PHONE/VIRTUAL CONSULTATION

Five Tips to Help You with Bankruptcy Credit Counseling

Bankruptcy Credit Counseling Tampa, St Petersburg, And Pasco Florida.Bankruptcy Post Filing Education and Counseling Requirements

If you’ve begun the bankruptcy process you already know about the education requirements.

In nearly every case, a person filing for bankruptcy is required to participate in credit counseling. Proof of participation is needed for the bankruptcy court to discharge your debts and if you fail to honor this obligation your case can be dismissed.

Many people find the education requirement to be one of the most intimidating aspects of bankruptcy and it’s understandable why this is the case. If you’ve filed for bankruptcy you might feel like a financial novice and the idea of being tested or required to attend a class about these things can be scary.

The good news is credit counseling is much less frightening than it seems.

For starters, you don’t need to actually attend a class. You can participate online or over the phone, right from the comfort of your own home. And there are no presentations or exams or group projects. You simply participate and show that you’ve participated.

So if you weren’t the studious type or the idea of sitting through a class lecture on the evils of the credit card industry makes you break into a cold sweat, rest easy. Credit counseling is helpful, supportive, and much easier than most people imagine.

What else should you know about credit counseling?

  1. Credit counseling is mandatory for everyone filing for bankruptcy, so don’t feel as if you’ll be stuck in a situation with nothing but people who overspent on their credit cards. People filing for personal and business bankruptcy both must attend. Attendance in credit counseling is nothing to be ashamed of, it’s just a requirement of filing.
  2. You must participate in an approved credit counseling course. It must be offered by a non-profit budget and credit counseling agency that has officially been evaluated and approved by the United States Treasury. For more information on approved courses, check out this information.
  3. Credit counseling can be done in person, but most people opt for an online course. The course can also be attended over the phone in some cases. And it’s offered in a variety of languages, so don’t worry if your first language isn’t English.
  4. Credit counseling is mandatory for people filing for bankruptcy, but there are a few exceptions. If you or a loved one is filing for bankruptcy because of an advanced mental health disease, physical disability, or another serious health issue, the requirement can be waived. Military members filing while on active duty in a combat zone can also have the requirement waived.
  5. In most cases, you’ll need to participate in credit counseling prior to filing your bankruptcy petition and proof of attendance will need to be submitted with the petition. However, there are instances in which the court will approve post-petition attendance, as long as it’s completed within 30 days. It’s important to speak to a bankruptcy attorney to determine if you’d be eligible for post-petition counseling because if you don’t meet the requirements postponing attendance could result in the dismissal of your case.

Questions about bankruptcy and credit counseling

If you have questions about bankruptcy counseling or you’re ready to get started filing, we can help. Contact the Law Office of Robert M. Geller at 813.254.5696 to learn more or to schedule a consultation.

Archive

Video Testimonials

Tampa Bankruptcy Law Blog

10 Signs You Should File for Bankruptcy

When it comes to your finances, there may come a time when you feel like bankruptcy is the only way...
Read More

What Do You Need to Know Before Filing for Bankruptcy? A Chapter 7 Bankruptcy Attorney in Florida Can Help You During this Time

What happens during the time leading up to filing for Chapter 7 bankruptcy? A Chapter 7 bankruptcy attorney in Florida...
Read More

What Does It Mean to Declare Bankruptcy?

What does it mean to "declare" bankruptcy? Your bankruptcy law attorney will help you through the process. Declaring bankruptcy is...
Read More

Student Loan Forbearance Ends April 30th. Here’s What You Need to Know

The federal government extended forbearance of repayment of student loans during the COVID-19 crisis. This forbearance was due to end...
Read More

Is Better Money Management on Your List of Resolutions for 2022?

If you’re like most Americans, improving your financial situation is on your list of New Year’s resolutions for 2022. Whether...
Read More

3 Reasons to Send Your Bankruptcy Attorney in Tampa Florida a Christmas Card

Have you begun making your Christmas card list yet? Did you include your bankruptcy attorney in Tampa, Florida? It seems...
Read More

What Was the Biggest Money Management and Bankruptcy News of 2021?

Like most years, bankruptcy was a topic that arose in the news many times throughout 2021. Topics related to money...
Read More

3 Best Bankruptcy Tips of 2021

Learning how to manage your money is an ongoing process. Even the smartest money minds out there can always learn...
Read More

How to Prevent Bankruptcy from Ruining Your Holiday Season: Why a Spending Spree Before Bankruptcy Could Hurt You in the New Year

Should you go on a spending spree before bankruptcy to celebrate the holiday season? The answer might surprise you. The...
Read More

How to Avoid Holiday Overspending

The holidays are upon us and, as usual, many people are trying to keep their spending within a budget. As...
Read More

Bankruptcy

For The Next 5 Days GET A FREE BOOK About Bankruptcy

Learn More

Infographics

We are A Debt Relief Agency.
We help people file for bankruptcy under the Bankruptcy Code

Pay Online Bankruptcy Courses Newsletter Subscription

NACBA Logo avvo1 avvo2 avvo3 LEA BBB Logo

Call For A Free Initial Consultation

813.254.5696

Tampa Office

Law Offices of Robert M. Geller, P.A.
807 West Azeele Street
Tampa, FL 33606
T: (813) 254-5696
T: (800) 853-7549
F: (813) 253-3405

Map And Directions

St. Petersburg Office

Law Offices of Robert M. Geller, P.A.
125 5th Street South
(Wells Fargo Financial Center)
2nd Floor, Suite G
St. Petersburg, FL 33701
T: (727) 532-3939

Map And Directions

Pasco Office

23526 State Road 54
Lutz, FL 33559
T: (813) 336-2320

Map And Directions