Credit Education Courses in Jacksonville, Florida

Pre-Bankruptcy Credit Counseling Is Mandatory

Those filing for personal bankruptcy in the state of Florida will be required to complete credit education courses at the beginning and end of the bankruptcy process. These courses are designed to ensure that filers understand how credit works and what the bankruptcy process entails. While filing for Chapter 7 or Chapter 13 bankruptcy and completing credit counseling may seem intimidating at first, a Jacksonville bankruptcy attorney can streamline the process and help you every step of the way. Owenby Law, P.A. serves North Florida residents considering personal bankruptcy.

Pre-Bankruptcy Credit Counseling in Florida

Before filing for Chapter 13 or Chapter 7 bankruptcy, you'll need to complete a pre-bankruptcy credit education course with an agency approved by the bankruptcy trustee. You must complete the course no more than six months prior to your filing date. Your bankruptcy attorney will ensure that you take the right course from a reputable credit counseling agency and will provide you with everything you need to succeed.

Finding a Reputable Credit Counseling Agency

Over the years, some organizations in the credit counseling industry have faced a number of legal challenges. Some credit counseling agencies that offer debt management plans (DMP) have been criticized for misleading consumers, overcharging consumers, or simply not following through with their end of the DMP arrangement. Victims of predatory DMP and credit counseling agencies often find themselves worse off than if they had filed for bankruptcy. While a DMP offered by a reputable credit counseling agency can be a good solution for some debtors, it's important that you work with a credit counseling agency that has your best interest in mind. Owenby Law, P.A. can ensure you don't end up in the wrong hands.

Pre-Discharge Debtor Education

Before your eligible debts are discharged in accordance with the terms of your bankruptcy filing, you'll also be required to complete pre-discharge debtor education and provide proof of your completion to the bankruptcy court. Because the debt discharge is such an important part of the bankruptcy process, it's crucial that you have everything in order when the time comes. Your bankruptcy lawyer's job is to foresee any potential problems and ensure that your bankruptcy filing has been handled correctly, including your pre-discharge credit counseling.

Contact Owenby Law, P.A. Today for a Free Consultation

We understand that the prospect of filing for bankruptcy can be daunting at first. We are here to help you make informed decisions about your credit and act as your advocates. To speak with one of our Jacksonville bankruptcy attorneys, contact our office at (904) 770-3141.