Are you considering filing for either Chapter 7 or Chapter 13 bankruptcy protection? FCAA member agencies approved by the EOUST (Executive Office of the U.S. Trustee) can provide the mandatory Pre-Petition Credit Counseling and the Pre-Discharge Personal Finance Course you need before you can file your petition.
Pre-Petition Credit Counseling includes an analysis of your current financial condition with a review of the events that led to your financial condition. It will also provide you with alternatives to bankruptcy to help you decide which path is best to help you resolve your current situation. Please note that members’ certified credit counselors are not attorneys and cannot provide you with legal advice.
A Post-Discharge Financial Management course is designed to help you develop a budget, successfully manage your finances and learn how about the wise use of credit. This course is also mandatory for those who have already filed for bankruptcy protection.