Minnillo & Jenkins, CO. LPA
Call 513-723-1600
For A No-Pressure, Free Consultation

The Facts About Credit Counseling

Bankruptcy clients have many of the same questions. This is the second installment in a series of blog entries discussing some of the more common ones.

Will I have to do some sort of Credit Counseling? What is it? Is it hard?

Yes, everyone who files bankruptcy must complete a simple credit counseling program.  But don't worry, it doesn't take long to complete and it is not challenging.

In 2005, congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act, a law requiring all debtors in bankruptcy to complete two credit counseling courses.Read More Here  The first course must be completed prior to the filing of your case and the second course must be completed prior to the granting of your discharge order (i.e. completion of your case). These courses will require that you input general information regarding your income, budget, and debts. There are several companies that offer these courses and the cost varies from as low as $5.00/per person to approximately $50.00. Upon completion of these courses you will receive a Certificate that should be brought to your Attorney in order to be filed with your case. Our office can provide you with contact information for several providers of credit counseling courses at your free initial consultation. Click Here to Schedule 

The first course typically lasts anywhere from one half hour to one hour depending an individual debtor's answers to the questions. The second course typically lasts somewhat longer. Additionally, the second course is sometimes completed through the Interim Trustee's office should you be involved in a Chapter 13 bankruptcy. Neither course is difficult but often they can and do provide useful tips on budgeting, savings, and methods to succeed financially post bankruptcy filing. Also, if you are doing a joint filing (where spouses file together) many of the courses will allow you to participate jointly, instead of each person having to take the course separately. Both of these courses are additional expenses that are not typically included in your bankruptcy fee.

We hope you find the foregoing useful and that you choose to schedule a consultation today. Contact Info We have four offices:  DAYTON (at the 75 South / 725 Interchange);WEST CHESTER (on Route 747 near the Union Center exit on Route 75); and Cincinnati (HYDE PARK and EASTGATE).  We would be glad to meet with you at a convenient time, including evenings and weekends.

No Comments

Leave a comment
Comment Information
Email Us For A Response

How Can We Help You?

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

Contact us right now for a free bankruptcy consultation

NACBA - National Association of Consumer Bankruptcy Attorneys

Proud Member NACBA

We are proud members of the NACBA, a national organization dedicated to serving the rights of consumer debtors. Read More

Super Lawyers

Jenkins Named Super Lawyer!

Founding partner, Christian A. Jenkins, was selected by his peers and the media as a Super Lawyer. Read More

Cincinnati Office
2712 Observatory Avenue
Cincinnati, OH 45208

Phone: 513-723-1600
Cincinnati Law Office Map

Cincinnati Office
792 Eastgate South Dr
Suite 150
Cincinnati, OH 45245

Phone: 513-685-0612
Cincinnati Law Office Map

Fairfield Office
447 Nilles Rd
Suite 9
Fairfield, OH 45014

Phone: 513-795-0995
Fairfield Law Office Map

Covington Office
526 Philadelphia St.
Covington, KY 41011

Phone: 513-795-0995
Map & Directions