Mandatory Credit Counseling
As part of the Bankruptcy process, you must complete credit counseling with a certified Credit Counseling agency. Counseling must occur within 180 days prior to filing a Chapter 7 Bankruptcy or Chapter 13 Bankruptcy, and a certificate of counseling completion must accompany your petition. The Credit Counseling agency must have been approved by the U.S. Trustee's office. Contact attorney Frank G. Cortese to receive a list of approved credit-counseling agencies.
Credit Counseling costs approximately $30 and can be paid over the phone or over the internet.
Typical Credit Counseling involves a discussion of your finances, determining a realistic budget and an evaluation of whether Bankruptcy is the right alternative for you. The Credit Counseling course may be completed in person, over the internet or over the phone.
Chicago Bankruptcy Attorney Frank G. Cortese has been helping individuals and families facing financial crises throughout the Chicagoland area including Cook, DuPage, Kane and Will Counties. With over 21 years experience, he has helped thousands of individuals and families successfully eliminate their debt through the Bankruptcy process.
He understands each step necessary to filing a successful Bankruptcy and getting on the right track. He will help advise you every step of the way and evaluate whether filing Bankruptcy is indeed the right path for you.