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What If You Cannot Afford Credit Counseling?

A debtor needs to provide proof that he or she has completed credit counseling before being allowed to file for bankruptcy protection. The services of a credit counseling agency may not be free, and a prospective bankruptcy filer is responsible for paying any pertinent fees. There are restrictions placed upon these fees, making it easier for a debtor to afford this portion of the bankruptcy process.

If your debts have become uncontrollable and are having a major impact on ability to keep up with the essential cost of living, we can help you through the bankruptcy process. For more information about the options available to you, contact the Joliet bankruptcy lawyers of Law Offices of Stuart B. Handelman, P.C., at 815-722-2201.

Credit Counseling Cost Considerations

If a debtor is in such poor financial standing that they are unable to afford credit counseling, there may be some options available for them. To keep the cost of this pre-bankruptcy requirement low, the following rules are in place:

  • All counseling services must be priced at a reasonable level
  • If a person cannot afford the full rate, they must receive a discount
  • If a person is severely impoverished, they may receive free counseling

No credit counseling agency is permitted to overcharge for these services, as this is a direct violation of the law. If a person has problems with this portion of the bankruptcy process, they may want to consult with a legal advisor about how to resolve the matter.

Contact Us

Do not delay seeking legal counsel and representation if you believe that your present financial circumstances may warrant a bankruptcy filing. Contact the Joliet bankruptcy attorneys of Law Offices of Stuart B. Handelman, P.C., by calling 815-722-2201 today.