Bankruptcy Pre-Filing Financial Counseling
Our agency provides individual counseling appointments for the Pre-filing Financial Counseling Session, an NFCC approved course named "More Than One Way Out, Personal Bankruptcy Consequences and Alternatives". The session will incorporate a detailed, interactive presentation lasting about one hour that includes discussion on the following topics:
- Analysis of your financial situation
- A thorough budget analysis and recommendations for your spending plan.
- Explanation of requirements for the certificate that allows you to file.
- Overview of bankruptcy and explanation of bankruptcy concepts.
- Chapter 7 and Chapter 13 bankruptcy - differences defined
- Consequences of bankruptcy
- Alternatives to bankruptcy
- Living within a budget and modifying lifestyle.