Tips To Find A Good Counselor
–By Priya Jestin, Staff Writer
Is your debt situation ready to tip you over to bankruptcy? If yes, then it is important that you know how you go about the whole procedure. One of the most important things you need to do is get yourself a credit counselor. You must consult one approved by the U.S. Trustee Program. And remember, even if an agency is approved in your state, you need to check if it can be used in your area. Check to see what agencies have been approved in your judicial district.
However, there are some who may not be able to get a counselor near their homes. In such a case, you can complete the pre-bankruptcy session by phone or online. And since credit counseling is a must when you file for bankruptcy, make sure you get a certificate as proof of your counseling session.
Generally, the charge for a pre-bankruptcy counseling service is $50. If you can’t afford it, you can request a fee waiver. But you must make that request before the session begins.
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