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Credit Counseling
Credit Counseling Overview

When their debts become too much to manage, many people find themselves turning to a credit counseling service for help. Credit counseling services will provide advice on managing household debt. They can help consumers to develop a budget if they do not already have one. Many will also provide consumers with free education materials, workshops or seminars. A counseling service will review a consumer's entire financial situation with them and help them personalize a plan that can help save money and begin paying off their debts. A typical session will last about an hour but generally the individual may also elect to have follow-up sessions.

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Questions to Ask a Credit Counseling Agency

If you are considering working with a credit counselor for the first time, asking questions like these can help you find the best counselor for you.

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Credit Counseling in Bankruptcy Cases
Last Updated September 16, 2008
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 launched a new era: With limited exceptions, people who plan to file for bankruptcy protection must get credit counseling from a government-approved organization within 180 days before they file. They also must complete a debtor education course to have their debts discharged.
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Alivizatos P.C.
Baltimore MD Elderlaw, Estate Planner and Asset Protection Attorneys

111 South Calvert Street, 27th Floor
Baltimore, Maryland 21202
Practice Areas: Wills and Estates, For the Public
calivizatoslaw.com/Estatetaxes.jsp
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