CALL NOW!
FREE PHONE/VIRTUAL CONSULTATION

What You Need to Know about Pre-Bankruptcy Counseling

Filing for bankruptcy requires more than just letting the court know you are struggling with money and would like relief from your debts. An important part of the bankruptcy process is counseling. Here’s what you need to know about pre-bankruptcy counseling and how it will play a role in your road to financial recovery.

What is Pre-Bankruptcy Counseling?

Pre-bankruptcy counseling is a requirement of having your bankruptcy request approved. Anyone filing for bankruptcy must participate in a government-approved counseling program. Once completed, you’ll receive a credit counseling certificate from the United States Trustee Program, which is a division of the US Department of Justice. This certificate must be submitted to the bankruptcy court along with your other documents.

Your attorney can help you find a legitimate counseling program or you can view a list of qualifying programs here.

You must participate in a counseling program no more than 180 days prior to filing for bankruptcy and submit your certificate within 15 days of filing for bankruptcy. Counseling sessions typically take about an hour to an hour and a half, and can be done in person or online.

Counseling sessions are specific to your case and you will be asked questions about your financial situation. In addition to providing information about your situation, you’ll be given alternative options to filing for bankruptcy and provided with assistance preparing a budget. One of the main goals of pre-bankruptcy counseling is to help you avoid being taken advantage of and to help you avoid needing to file for bankruptcy multiple times. Pre-counseling is done in an effort to help you, so don’t feel as if you are being forced into something that is not in your best interest.

The Cost of Pre-Bankruptcy Counseling

Some people are surprised to learn that filing for bankruptcy costs money and the fees associated with pre-bankruptcy counseling account for some of the cost. Counseling sessions are usually inexpensive and begin around $50. It is possible to receive free counseling and you can request a payment waiver through the Trustee Program if you are unable to pay.

Pre-bankruptcy counseling is designed to help you better understand bankruptcy and your financial situation in general. However, like many aspects of bankruptcy, it can be intimidating. A bankruptcy attorney can help you choose the right counseling program and ensure any program you choose meets the legal requirements to file for bankruptcy.

If you would like to know more about pre-bankruptcy counseling or you are ready to discuss your financial situation with someone who can provide options, we can help. Contact the Law Offices of Robert M. Geller at 813.254.5696 to schedule a consultation free of charge.

Archive

Tampa Bankruptcy Law Blog

How Does Claiming Bankruptcy in Florida Affect Your Children?

Claiming Bankruptcy in Florida Understanding how claiming bankruptcy in Florida affects your children is an important part of determining whether...
Read More

Claiming Bankruptcy in Florida: What Happens When You File for Bankruptcy and Your Spouse Does Not?

Claiming Bankruptcy in Florida You already know how much the things you do affect your spouse when you are married....
Read More

Should You Pay Back What You Owe Loved Ones Before You File for Bankruptcy?

Florida Bankruptcy Laws It’s common for people who are struggling financially to turn to their friends and family for help....
Read More

Bankruptcy and Family Law: Does Filing Affect the Child Support I Pay or Receive?

Bankruptcy and Family Law If you’re like many people, the well-being of your children is your most important priority. Struggling...
Read More

5 Tips for Overcoming the Emotional Toll of Bankruptcy

Florida Bankruptcy Attorney Getting through the bankruptcy process is about more than just improving your finances. Working with a Florida...
Read More

Bankruptcy and Divorce: The Far-from-Perfect Storm

Bankruptcy and Family Law Bankruptcy and divorce separately are two of the most stressful events you can experience in your...
Read More

Does the Pandemic Have You in a Holding Pattern? Here’s How to Know When to File for COVID Bankruptcy

COVID Bankruptcy If you’re struggling to make ends meet and you feel as if your life is on hold because...
Read More

Will Your Favorite Retailer File for Business Bankruptcy in 2021?

Business Bankruptcy 2020 was a tumultuous year and many of the financial challenges caused by the pandemic are expected to...
Read More

Boosted and Extended Benefits Keeping Unemployed Afloat – But For How Long?

Unemployment Benefits Were you one of the millions of people who ended up out of a job and using unemployment...
Read More

Should Bankruptcy Laws Be Adjusted Because of COVID-19?

Bankruptcy Laws The COVID-19 pandemic brought a lot of changes throughout 2020 and many are expected to continue into 2021...
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 RG Seal

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