Filing for bankruptcy does require some upfront work. However, the benefits of filing often
greatly outweigh the requirements of bankruptcy law. One of those requirements for filing bankruptcy in St. Louis is that you are required to complete a credit counseling course prior to filing. Only credit counseling organizations that have been approved by the U.S. Trustee Program may issue certificates of completion. This course is helpful in evaluating your situation and understanding personal finance issues that could lead to poor financial decisions. Conveniently, this course can be taken online or over the phone!
Additionally, after filing, you must complete a debtor's education course which expands upon the information presented in the first credit counseling course. The debtor's education course must be taken before an order of discharge is granted by the judge. Failure to take this second course will result in the bankruptcy case being dismissed for failure to follow all the rules. If your case is dismissed, creditors can come after you for the debts you included in your bankruptcy.
Hiring a lawyer will help you understand all the requirements of bankruptcy filing, but also make sure you remember to complete these courses so your case doesn't get dismissed. Attorneys often have plans that make it easy to take your course through a trusted provider and can provide support if you run into any issues. There are other requirements to filing bankruptcy, so contact your attorney to get details.
Since 1997, the St. Louis attorneys at The Law Office of Tracy A. Brown, P.C., have helped hundreds in Saint Louis stop creditors from harassing, garnishing, and threatening clients through Chapter 7 and Chapter 13 bankruptcy filings that alleviate excessive debt. Contact us today to free your future from your past.