Before you file your chapter 13 bankruptcy you will have to take a credit counseling class to fulfill the requirements of taking Chapter 13 Bankruptcy Credit Counseling. There are actually two classes that are required to fulfill the Chapter 13 Bankruptcy Credit Counseling requirement. The first one is taken before you file and the second one is taken after you file but before your class closes. So in a chapter 13 bankruptcy you do have more time to take the second class but I always recommend completing it shortly after filing. If you fail to take the first credit counseling class and provide the required documentation your case will be dismissed. If you fail to take the second credit counseling class your case will be closed at the end without a discharge. Both classes can be taken online for about $40 each and they take about 2 hours to complete
Chapter 13 Bankruptcy Credit Counseling
Chapter 13 Bankruptcies are fairly complicated and you really should retain an attorney to help you through the process. The Chapter 13 Bankruptcy Trustee will want some very specific information in a very specific format, failure to provide it will result on dismissal of your Chapter 13 Bankruptcy Filing. Retaining an attorney knowledgeable of local rules and procedure will greatly increase your success rate in getting your Chapter 13 Bankruptcy approved.
For more information on this or any other bankruptcy related matter contact Kevin Cortright at 951-677-8064.