subject: What Is Involved In Credit Counseling For Missouri Or Illinois Chapter 13 Bankruptcy? [print this page] As you may know, part of the eligibility requirements involve credit counseling. When filing a Missouri or Illinois Chapter 13, a debtor must take a credit counseling course before they file their case. Whether it is done on the internet or over the phone, it involves an informative discussion on bankruptcy and other alternatives. The counseling is done with a neutral third party agency that has been approved by the bankruptcy court.
So, why do you have to take the course? Isn't it pretty clear whether Chapter 13 is right for you by the time you are ready to file your case? Of course, but it is still nice to have information from a neutral party. You can then be confident that you made a positive and informed decision before your St. Louis, Missouri bankruptcy attorney files your case.
The second counseling program is called a "debtor education" course and must be taken after your case is filed. The course is designed to teach you some tips and tricks to help you avoid another bankruptcy in the future. What a relief to have so many people looking out for your best interests!
Plus, by picking a really great St Louis Missouri or Fairview Heights Illinois bankruptcy attorney, you can rest assured that he or she will also want to help you understand the process and what your behavior should be afterwards. How? They can provide you with free information--like articles, blogs, and even publications--about life after bankruptcy!
Make sure you also have a bankruptcy attorney in St. Louis who is aware that a credit counseling course is required for you to get bankruptcy protection. Not only does it give you great information but your attorney also can't file your case without you having completed the first session. And if you don't complete the debtor education course after your case has been filed, your case can be dismissed without a discharge.
That means after all that work, time, and money that you put into your bankruptcy, you could still be without protection from foreclosure, credit card debt help, or relief from your creditors.
Clearly, there are a lot of bumps you can hit on the road to Chapter 13 bankruptcy if you aren't careful. While none of them are too complicated, if you miss just one, it could cost you your case. Now, i'm sure you can see how vital it is to have an experienced St Louis or Wentzville, Missouri bankruptcy attorney as opposed to one with limited experience filing cases!
