The decision to file bankruptcy is not an easy one to make. Unforeseen circumstances in life may be the reason behind your decision. If you are considering filing for Bankruptcy there are a few things you should know. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, a major reform of the bankruptcy system, was passed by Congress and signed into law by President Bush in April 2005. The bankruptcy law was reformed in a number of ways, including tighter eligibility requirements. The new requirements mandated that debtors meet with a credit counselor employed by an approved Credit Counseling agency in the six months prior to filing for bankruptcy. Additionally, if a debtor's petition for bankruptcy is approved they must complete a debtor education money management course before debts are discharged.
American Debt Resources, Inc. has been "Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse the quality of an Agency's Services."
Both Pre-Filing and Post Filing counseling sessions are provided either face to face, by telephone, or via online courses(Debtor Education only). To conduct your counseling session either by face to face or telephone please contact our office at 1-800-498-0766 ext 190 and speak directly to a Certified Credit Counselor. If you would like complete your counseling session online select one of the following links. All methods of counseling are provided in Spanish as well. If you require counseling in a language not provided by this office please visit USDOJ.
For more information call our office and speak with a Certified Credit Counselor regarding our bankruptcy counseling sessions.