Cherry Hill Consumer Bankruptcy and Credit Counseling Lawyer

One of the biggest changes made when the new bankruptcy laws went into place in 2005 was the requirement that people must go to credit counseling before filing bankruptcy. Many people consider this an obstacle. In reality, it is a fairly minor and easy-to-fulfill requirement.

My name is Joel R. Spivack, and I have more than 30 years of experience as an attorney helping people file bankruptcy. I will guide you through the fulfillment of the credit counseling requirement and on to the bankruptcy process. As your attorney, I will stand by your side through all phases of the process, until your debt is overcome.

NJ Bankruptcy Lawyer Helps You Fulfill Credit Counseling Requirements

You can fulfill your credit counseling requirement by attending an individual or group briefing from an approved credit counseling agency. This briefing can be done in person, over the phone or online, as long as it covers the information required by law, which is designed to educate you on how to perform a budget analysis and explain other credit counseling opportunities. A personal debt management plan may be developed during the briefing. This plan will need to be filed with the bankruptcy court. This requirement must be fulfilled no more than 180 days before filling bankruptcy.

Once the requirement is fulfilled, you will get a credit counseling certificate that will allow you to proceed with Chapter 7 bankruptcy or Chapter 13 bankruptcy.

Approved Agencies for Credit Counseling in New Jersey

Not all of the credit counseling agencies that you see advertised on television are approved, or even legitimate for that matter. I will take great care to point you toward an approved credit counseling agency that will make your fulfillment of this requirement as easy as possible.

Schedule a Free Initial Consultation with a Cherry Hill Credit Counseling Attorney

My office is open weekdays from 8 a.m. to 5 p.m. and offers free parking. Contact me today at 856-488-1200 for a free initial consultation with a Cherry Hill consumer bankruptcy attorney. You can also contact me by e-mail.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.