Bankruptcy Credit Counselling in Birmingham, AL

Click for BIRMINGHAM, Alabama Forecast

Court Approved Credit Counseling & Debtor Education for Alabama [show in own window]

These are credit counseling agencies approved by the Justice Department for the court districts in your state.

You may notice most of them are not in your state. That's, because most are nationwide outfits that offer their services online or by phone.

The list of approved credit counselors for all states is maintained and updated by the Department of Justice at http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm

For approved credit counseling offered in languages other than English, click here.

 Posted on Friday, March 21st, 2008

 

ADVERTISEMENTS - Services listed in advertisements are not endorsed or reviewed by LegalConsumer.com
BK Class Ad

Birmingham is in the Alabama Northern District Bankruptcy Court.
Source for Alabama List: http://www.usdoj.gov/ust/eo/bapcpa/ccde/CC_Files/CC_Approved_Agencies_HTML/cc_alabama/cc_alabama.htm
[show in own windo

  • Credit Counselling (before your bankruptcy)
  • Debtor Education (at the end of your Bankruptcy)

Approved Credit Counseling Agencies

What is Credit Counseling?

Credit counseling is now required for all persons before they can file for bankruptcy. It costs about $50 or less and can be done in person, on the phone, or over the internet.

A credit counseling session generally lasts about 90 minutes. They'll review of your financial situation, give you information about your rights and options, and propose a repayment plan for resolving your debt problems, if possible.

Credit counseling organizations are now screened by the federal government and only approved organizations can be used in bankruptcy. (See below.) This regulation is a good thing. The field rife with rip-off artists and the regulation has been welcomed by legitimate credit counselors.

The FTC also publishes a useful pamphlet on how to select a credit counselor.

Approved Debtor Education Agencies

What is Debtor Education?

Debtor Education is now required for all persons filing for bankruptcy before they can receive their final discharge of their debts. It costs about $50 or less and can be done in person, on the phone, or over the internet.

A debtor education session generally lasts about 90 minutes. They'll review of your financial situation, give you information about your rights and options, and tips on how to manage your finances to avoid bankruptcy again in the future.

As with credit counseling organizations, debtor education providers are now screened by the federal government and only approved organizations can be used in bankruptcy. (See below.) This regulation is a good thing. The field rife with rip-off artists and the regulation has been welcomed by legitimateorganizations.

w]