Credit Counseling

We can help counsel you on the best ways to handle your credit

(770) 771-5097

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Harassing debt collectors in Georgia

Georgia bankruptcy lawyers guiding debtors through debt relief

Our Marietta bankruptcy law firm, Gentry, Smith, Dettmering, Morgan, Schnatmeier & Collins, LLP helps debtors overcome the burdens caused by overwhelming debts. With more than 80 years of combined experience and the perseverance to obtain successful remedies, our attorneys can guide you through the complex processes of debt relief and bankruptcy. We thoroughly explain the procedures so you know what to expect and what steps to take to prepare. As we begin the bankruptcy process, we review your obligations to participate in credit counseling as required under the U.S. Bankruptcy Code and give you important information so you can complete this prerequisite to filing your petition and obtaining discharge of your debts.

What consumers need to know about bankruptcy filing requirements

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 introduced the debtors’ counseling requirements as part of the bankruptcy procedures. Credit counseling is mandatory for most debtors planning to file for bankruptcy and debtor education is compulsory to complete the bankruptcy process. The Department of Justice’s U.S. Trustee Program approves the agencies that conduct these classes. Our Marietta attorneys can provide you with a list of organizations authorized to provide these services.

Pre-bankruptcy credit counseling

You have a 180-day window before filing your bankruptcy application to participate in credit counseling. You can opt for an in-person, telephone or online counseling program. During the 60- to 90-minute session, the agent evaluates your personal financial situation, discusses alternative debt relief options and proposes a personal budget plan. The credit counseling organization sends you a certificate at the conclusion of the session and our lawyers file this document with your bankruptcy application.

Pre-discharge debtor education

Before a judge can discharge your debts, you must comply with the debtor education requirement. You can choose an in-person, telephone or online format for this approximately two-hour session. Expect to discuss various types of credit repair information, such as:

  • Developing a budget
  • Managing your money
  • Using credit more wisely

The debtor education agency sends you a certificate that our lawyers submit to the bankruptcy court prior to your debt discharge.

Learn more about the credit counseling requirements from our knowledgeable bankruptcy lawyers in Marietta and Atlanta, Georgia

Learn more about your debt relief options from our experienced bankruptcy attorneys. Call Gentry, Smith, Dettmering, Morgan, Schnatmeier & Collins, LLP at 770.771.5097 or contact us online.

 

Gentry, Smith, Dettmering, Morgan, Schnatmeier & Collins, LLP

278 North Marietta Pkwy NE
Marietta, GA 30060
Phone: (770) 771-5097

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