Bankruptcy

The right to file bankruptcy is an important tool which society provides for those with significant debt problems. It is often stated that bankruptcy should be considered as a “last resort” for financially troubled consumers.  Bankruptcy should be neither the first option nor the last resort.  Each case must be examined on its own merits.

Although bankruptcy is not a magical cure, it is an important alternative for a range of financial problems.  Bankruptcy may provide immediate protection, particularly for individuals facing foreclosure or repossession of property.  Even those who are not in short term danger of repossession or foreclosure may often decide upon bankruptcy simply for the relief of having debts erased in order to get a fresh financial start.

Consumer Credit and Budget Counseling offers both the required Pre-Bankruptcy credit counseling and the Post-Bankruptcy Debtor's Education.

If you are considering Bankruptcy, or have seen a lawyer and he/she has advised you about your need for PreBankruptcy Credit Counseling Certificate, please choose PreBankruptcy counseling. This session will examine the alternatives to Bankruptcy and help you develop a workable budget.

Next, when you have filed for Bankruptcy protection and received a case number, you will be advised to get Pre-Discharge Debtors Education. This required course is intended to help you avoid financial difficulties in the future.

Credit Counseling for Bankruptcy filers The pre-petition briefing and credit counseling session required to file for protection under the Bankruptcy Code. Approved Districts for PreBankruptcy Counseling: New Jersey (All Counties) New York (All Counties)
Approved for PreBankruptcy Credit and Budget Counseling in All New Jersey Counties	Approved for PreBankruptcy Credit and Budget Counseling in all of New York Counties
Debtors Education The Personal Financial Management Course an individual must receive before discharging debts under the Bankruptcy Code. Approved in ALL States (Except for Alabama, North Carolina and Oregon) Approved in: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Dakota Northern Mariana Islands Ohio Oklahoma Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Virgin Islands Washington West Virginia Wisconsin Wyoming

You may find it useful to read the FTC's brochure, produced in cooperation with the USTP, entitled Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education.

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Consumer Credit and Budget Counseling
299 South Shore Rd
Marmora, NJ 08223

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Consumer Credit and
Budget Counseling
ph: 888-738-8233
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