Avoca, MN Bankruptcy Credit Counseling | (888) 505-2369

Avoca, Minnesota Free Bankruptcy Credit Counseling call (888) 505-2369 for a consumer bankruptcy attorney consultation before you file for Chapter 7 or Chapter 13 bankruptcy and ask the attorney about an approved credit counseling course. The purpose of this lawyer consultation is to see whether there is a feasible way to handle your debt load outside of bankruptcy, without adding to what you owe.

To qualify for Avoca, Minnesota bankruptcy relief counseling call (888) 505-2369, the lawyer will help guide you through the process of receiving credit counseling from an agency approved by the U.S Trustee’s office within the 180-day period before you file your bankruptcy. Once you complete the counseling, the agency will give you a certificate of completion that you must file no later than 15 days after your bankruptcy filing date. It will also give you a copy of any repayment plan you may have worked out with the agency.

The stated purpose of credit counseling Avoca, MN is to give you an idea of whether you really need to file for bankruptcy or whether an informal repayment plan would get you back on your economic feet. Counseling is required even if it’s pretty obvious that a repayment plan isn’t feasible (that is, your debts are too high and your income is too low) or you are facing debts that you find unfair and don’t want to pay.

 


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