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

Video Testimonials

Tampa Bankruptcy Law Blog

Should Seniors File Bankruptcy? Here’s 3 Things You Need to Know

Should seniors file for bankruptcy? Maybe. It all depends on their specific financial circumstances. Bankruptcy can be a great solution...
Read More

What Happens If My Spouse Dies During Bankruptcy?

Seniors declaring bankruptcy have many concerns. One of the most pressing is how their health or their spouse’s health might...
Read More

Can I File for Bankruptcy Without a Job?

Bankruptcy is often considered a tool used by people without money, without income, and without any financial hope. The truth...
Read More

Should I Use Retirement Savings to Avoid Bankruptcy? A Tampa Bankruptcy Lawyer Can Help You Protect Your Retirement Nest Egg

Withdrawing money from your retirement savings is rarely advised by financial experts, even if you are facing bankruptcy. Working with...
Read More

Can You File for Bankruptcy and Keep Your Home

Foreclosure is something that occurs after a homeowner has missed multiple mortgage payments. Working with a Florida bankruptcy attorney helps...
Read More

Is There Such a Thing as Mortgage Bankruptcy?

Your home is one of your primary concerns when filing for bankruptcy. Can you claim bankruptcy and keep your home?...
Read More

What Do You Need to Know about a Home Auction in Bankruptcy?

Home auctions are a common topic that arises when someone is faced with the prospect of bankruptcy. Bankruptcy protection for...
Read More

Can a Florida Bankruptcy Attorney Help Me Avoid Eviction

Losing one’s home is one of the most common concerns you can have when filing for bankruptcy. A Florida bankruptcy...
Read More

Covid-19 Tax Tips

The COVID-19 pandemic has affected a variety of things including taxes. These COVID tax tips can help you prepare and...
Read More

How Can a Bankruptcy Attorney in Tampa Florida Help Me If I Fall Behind on My Mortgage After Filing for Bankruptcy?

Many people find that filing for bankruptcy provides all of the financial relief they need to get back on track....
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