What Is Bankruptcy Credit Counseling?

The 2005 amendments to the Bankruptcy Code created several new requirements for individuals who want to file a Chapter 7, Chapter 11, or Chapter 13 case. One of the new requirements is to complete credit counseling courses before your case is filed and before your discharge order can be entered.

The 2005 amendments to the Bankruptcy Code created several new requirements for individuals who want to file a Chapter 7, Chapter 11, or Chapter 13 case. One of the new requirements is to complete credit counseling courses before your case is filed and before your discharge order can be entered.

The pre-filing credit counseling course must be taken by an approved provider within 180 days before your bankruptcy petition is filed. This course assists you with reviewing your finances and makes sure you understand all of your debt relief options. It also helps you create a budget. After completing the class, you will receive a certificate of completion that must be submitted to the court with your bankruptcy petition.

The post-filing credit counseling class must be completed before your discharge order is entered. This course covers topics such as debt management and budgeting tips to help you with your fresh start granted by the elimination of your debt in bankruptcy. Again, you are required to file a certificate of completion with the court.

Both the pre-filing and post-filing courses can be taken online or on the telephone. When the time is right, we will provide you with the contact information for the credit counseling company that we recommend.

Please keep in mind that every case is different. If you have questions about filing personal bankruptcy or the credit counseling requirement, and you would like to schedule a no-cost consultation, please contact our office by completing the form on this website or calling us at 954-466-0541.

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       If you are considering filling for bankruptcy , this would be the firm to use! Jonathan is very experienced as well as all of his team, Specially Anne ! They made the process very easy and my case was approved due to their help and expertise! I am very grateful to have had them representing me !
  
 
    
   Xime Basa 
 2023-09-28
 
 
 
      I highly recommend LSS Law. No complaints. Jonathan, Ann, and Maria were very professional and clear in all our communications, which makes everything really easy.
  
 
    
   Donald Galindo 
 2023-09-05
 
 
 
      Great service. Friendly and helpful staff. Highly recommend.
  
 
    
   Al La 
 2023-03-29
 
 
 
      Jonathan and Anne were wonderful and I thank you for helping me with my new beginning.
  
 
    
   ADRIANNE SURRENCY 
 2023-03-29
 
 
 
      I had a wonderful experience with Jonathan Leiderman at LSS Law. Not only is he well experienced, but he is also very patient and supportive throughout a tough time. I appreciate that he takes such a hands-on approach where there is no going through office staff and waiting for a reply. He deals with you one-on-one, and he is your single point of contact. He takes time to answer all your questions and takes the time to ensure that you understand every aspect. He is highly communicative and does so in a timely manner.... I always got a response within minutes or hours, at the latest 24 hours. I don't know how he does it all, but I am grateful that I had him to represent me! I highly recommend Jonathan and LSS Law!
  
 
    
   Jewel Nicholson 
 2023-02-16
 
 
 
      Jonathan Leiderman did a phenomenal job representing me and taking on my case.  His knowledge, experience, and diligence quickly became apparent through his work product and the correspondence that he maintained with me.  Furthermore, he was always quick to answer my questions and put my mind at ease during the entire process.  Jonathan and LSS Law will forever have my gratitude and I highly recommend their services to anyone who is in need of them.
  
 
    
   Ali 
 2023-02-06
 
 
 
      I am really greatful to attorney Jonathen Leiderman for patiently working with me through a very stressful period of ambivalence, and then towards resolution of a difficult predicament. His professionalism and empathy were exceptional. I would recomend him to all who need similar services.
  
 
    
   Peter G 
 2022-04-04
 
 
 
      Excellent company to work with providing timely advice and guidance.  Went above and beyond in assisting our company with an out of state bankruptcy issue
  
 
    
   Diane Artioli 
 2021-10-08
 
 
 
      This company was very professional, sympathetic and very reasonably priced.
  
 
    
   Kemel Gajraj 
 2021-09-13

Hear From Our Clients

Google Reviews

Xime Basa

If you are considering filling for bankruptcy , this would be the firm to use! Jonathan is very experienced as well as all of his team, Specially Anne ! They made the process very easy and my case was approved due to their help and expertise! I am very grateful to have had them representing me !

Donald Galindo

I highly recommend LSS Law. No complaints. Jonathan, Ann, and Maria were very professional and clear in all our communications, which makes everything really easy.

Walter Laramore

Jonathan is quite splendid to deal with and has been an ideal representative for my case. Well prepared, great attention to detail, and very empathetic to my needs. Superior communication skills and gets back with you, anticipating your needs. Worth every penny!

Tavy Bastos

I had a great experience. Jonathan was very attentive, patient and knowledgeable. I had consulted with a different office before that was subpar and didn't provide all of the options provided by this one. I felt secure and in good hands with the representation.

Adrianne Surrency

Jonathan and Anne were wonderful and I thank you for helping me with my new beginning.

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What Is Bankruptcy Credit Counseling?

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