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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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Credit Counseling - Selected State Laws

South CarolinaSouth Carolina Code > Title 37 > Chapter 7 - Consumer Credit Counseling
FloridaFlorida Statutes > Chapter 559 > Part II - Budget Planning
Florida Statutes > Chapter 817 > Part IV - Credit Counseling Services
Rhode IslandRhode Island General Laws > Chapter 19-14.8. Uniform Debt-Management Services Act
HawaiiHawaii Revised Statutes > Chapter 446 - Debt Adjusting
MinnesotaMinnesota Statutes Chapter 332B - Debt Settlement Services
NevadaNevada Revised Statutes > Chapter 676 - Debt Adjusting
Nevada Revised Statutes > Chapter 676A - Uniform Debt-Management Services Act
New HampshireNew Hampshire Revised Statutes > Chapter 359-D - Credit Services Organizations
New YorkNew York Laws - Banking > Article 12-C - Budget Planners
New York Laws - General Business > Article 28-B - Budget Planning
New YorkNew York Laws > Banking > Article 12-C - Budget Planners
New York Laws > General Business > Article 28-B - Budget Planning
North DakotaNorth Dakota Code > Chapter 13-06 - Debt Adjusting
North Dakota Code > Chapter 13-07 - Consumer Credit Counseling Services
South DakotaSouth Dakota Laws > Title 37 > Chapter 34 - Debt Adjusting
UtahUtah Code > Title 13 > Chapter 21 - Credit Services Organizations Act
VermontVermont Statutes > Title 8 > Chapter 83 - Debt Adjusters
VirginiaVirginia Code Title 6.2 > Chapter 20 - Agencies Providing Debt Management Plans

 
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