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Pre-Bankruptcy Counseling

Pre-Bankruptcy Counseling Helps You Make an Informed Choice about Bankruptcy

If you are feeling the pressure from having too many bills and believe that bankruptcy is the only way out, contact American Consumer Credit Counseling (ACCC) for pre-bankruptcy counseling. We can help you decide whether bankruptcy is indeed your best choice. During the past 25 years, we have helped thousands of satisfied clients make tough decisions about managing their finances.

ACCC is among the top non-profit credit counseling agencies in the nation. We are a member of the National Foundation for Credit Counseling (NFCC) and are accredited through the Better Business Bureau with an A+ rating. We may be able to help you better ways to resolve your debt problems than using a debt reduction service (debt settlement) or filing for bankruptcy. You can learn about your options during pre-bankruptcy counseling.

Pre-Bankruptcy Counseling is Legally Required Before Filing for Bankruptcy

Pre-bankruptcy counseling is not only helpful for those in debt – it's also a legal prerequisite for filing for bankruptcy. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires debtors who are considering bankruptcy to complete financial counseling and education before they can file with the courts.

When you finish pre-bankruptcy counseling, you receive a bankruptcy certificate, which must be submitted to the court when you file. This certificate proves to the courts that you completed the required counseling.

What to Expect from Pre-Bankruptcy Counseling

Pre-bankruptcy counseling is a 60- to 90-minute counseling session that is held face-to-face, on the phone, or online. You decide how you would like to take the pre-bankruptcy counseling session; it's simple and convenient.

During the pre-bankruptcy credit counseling session, you will be provided with an in-depth review of your current financial situation, the root causes of your financial problem, and a personal budget. The session with cover bankruptcy and alternatives to bankruptcy.

When you finish the pre-bankruptcy counseling session, you will receive a certificate that you will need to file with the courts if you decide to proceed with a bankruptcy. This credit counseling certificate is valid for six months. If you decide to pursue bankruptcy, you will also need to take a post-bankruptcy debtor education course before your debts can be discharged. ACCC is approved by the Department of Justice to provide consumers with the post-bankruptcy debtor education course as well as the pre-bankruptcy counseling session.

For professional pre-bankruptcy counseling from one of the nation's top nonprofit debt consolidation companies, contact ACCC today.

American Consumer Credit Counseling (ACCC) provides credit counseling, financial education and debt relief options for individuals and families with too much credit card debt or unsecured personal debt. Our certified credit counselors have helped thousands of consumers find credit card debt relief by learning how to reduce debt and how to get out of credit card debt. Our debt assistance services and debt management plans allow consumers to consolidate credit card bills into a single payment, and provide help with negotiating credit card debt in order to lower interest rates and finance charges, to ultimately eliminate debt through a credit card payoff plan.

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