{"id":1241,"date":"2010-12-27T14:09:24","date_gmt":"2010-12-27T21:09:24","guid":{"rendered":"https:\/\/nybankruptcy.net\/main\/"},"modified":"2024-02-28T11:16:50","modified_gmt":"2024-02-28T11:16:50","slug":"bankruptcy-credit-counseling","status":"publish","type":"page","link":"https:\/\/nybankruptcy.net\/main\/bankruptcy-resources\/bankruptcy-law-information\/bankruptcy-credit-counseling\/","title":{"rendered":"Bankruptcy Credit Counseling"},"content":{"rendered":"\t\t
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Bankruptcy Credit Counseling<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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In 2005 some changes were made to the bankruptcy code through the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). One such change is the requirement that individuals must participate in a bankruptcy credit counseling course given by an approved non-profit agency within 180 days before filing a petition. The course takes about 2 hours and is available in person, by phone or online. A New York City bankruptcy lawyer can give you a list of recommended providers or you can find one by going to the U.S. Trustee\u2019s office website<\/a><\/p>

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We have established an account with two of the approved counseling agencies which allows us to take care of the registration process for you and have the agency send us the certificate directly once you\u2019ve completed the course. Regardless of where you take it, upon completion of the bankruptcy credit counseling course you will receive a certificate to present to the bankruptcy court. If you do not file within 6 months of the certificate date, you will have to take the course again. If you are filing with a spouse, both spouses must take the course.<\/p>


Beware of credit counseling or debt settlement scams.<\/strong><\/p>

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There has been some confusion around this directive, as many \u201cfor profit\u201d companies, offering \u201ccredit counseling\u201d and or \u201cdebt settlement\u201d services have cropped up offering alternatives to bankruptcy that have nothing to do with the BAPCPA credit counseling requirement. Many of these companies charge high fees and offer services that are not in the best interest of debtors.<\/p>

To learn more, please see New York City bankruptcy lawyer Bruce Weiner\u2019s posts entitled \u201cWhat you should know about the credit counseling requirement\u201d<\/a> and \u201cDon\u2019t believe the hype\u201d<\/a>.<\/p>

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To learn more about the bankruptcy credit counseling requirement, or to find out if bankruptcy is the right solution to your financial problems, schedule a consultation online<\/a> or call 718-795-2415<\/a>\u00a0to speak with a New York City bankruptcy lawyer<\/a> at Rosenberg Musso and Weiner today.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Bankruptcy Credit Counseling In 2005 some changes were made to the bankruptcy code through the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). One such change is the requirement that individuals must participate in a bankruptcy credit counseling course given by an approved non-profit agency within 180 days before filing a petition. The course takes …<\/p>\n

Bankruptcy Credit Counseling<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":1,"featured_media":5798,"parent":1187,"menu_order":4,"comment_status":"open","ping_status":"open","template":"elementor_header_footer","meta":{"site-sidebar-layout":"default","site-content-layout":"plain-container","ast-global-header-display":"","ast-main-header-display":"disabled","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"disabled","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":""},"acf":[],"yoast_head":"\nBankruptcy Credit Counseling -<\/title>\n<meta name=\"description\" content=\"In 2005 some changes were made to the bankruptcy code through the Bankruptcy Abuse Prevention and Consumer Protection Act 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