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Posted On: July 16, 2010 by Scott Sagaria

What is Credit Counseling?

A San Francisco bankruptcy attorney explains credit counseling.

Federal bankruptcy law requires that anyone filing for bankruptcy must first undergo credit counseling before being approved. This is basically a personalized counseling service to provide guidance and support to anyone who have gotten in over their heads financially and those that are filing for bankruptcy. The counseling provides basic education on financial management. After successfully filing for bankruptcy, you will also have to attend a debtor education class in order to relieve your debts. The course will teach you how to better manage your finances after your bankruptcy. This course will take more time to complete, and may last from 1 to 3 hours.

Many counselors charge a fee for their services. But those who seek a credit counselor should beware of misrepresentation and fraud by avoiding any company that charges large upfront fees or make unrealistic promises. Also, legitimate credit counseling firms are affiliated with the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies.

If you have questions regarding bankruptcy in San Francisco or bankruptcy in the greater Bay Area please contact our San Francisco Bankruptcy Attorneys at (415) 946-8882 for a free consultation or visit www.bkanswers.com and we can connect you with one of our experienced San Francisco Bankruptcy Attorneys. After you have spoken with one of our Bay Area bankruptcy attorneys, we can schedule you for a free face to face appointment in an office location nearest you. Our team of Bankruptcy Lawyers, Bankruptcy Customer Care Specialists and Bankuptcy staff supporting San Francisco and Bay Area consumers in debt can assist you with all aspects of your bankruptcy or bankruptcy litigation case. If you have questions about filing a Chapter 7 bankruptcy, a Chapter 11 bankruptcy, a Chapter 13 bankruptcy, or would like to learn more about bankruptcy litigation, legal debt settlement, mortgage modification, lien stripping, cram down, stopping a foreclosure, wage garnishment, asset protection, discharging a debt, etc. we can help! We have bankruptcy attorneys located throughout California and Oregon who can assist you with all of your debt resolution questions. Please feel free to complete our free online bankruptcy evaluation and we can quickly determine if you are a qualified candidate for bankruptcy. We look forward to hearing from you, San Francisco Bay Area!

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