(845) 562-9020

Counseling and Debtor Education


Mandatory Credit Counseling and Debtor Education

Bankruptcy Representation in Hudson Valley – Orange County – New York City

Sometimes, often for reasons beyond their control, people find themselves in bad financial situations that can only be solved by bankruptcy. At Silver & Lesser, P.C., in New Windsor, we understand how difficult this can be. Our experienced lawyers can help guide you through the bankruptcy process – including mandatory credit counseling and debtor education.

When we meet with you, we will talk about which type of bankruptcy is right for you and also discuss any related issues, such as foreclosure and loan modification, making sure you understand all of the options available to you. To arrange a consultation with one of our attorneys, call us at 845-562-9020 or toll free at 866-687-1338.

Credit Counseling Requirements for Bankruptcy

Anyone who wishes to file for bankruptcy – both chapter 7 and chapter 13 – must complete a pre-filing credit counseling program and receive a certificate of counseling from an approved non-profit agency within 180 days prior to filing for bankruptcy. After filing, a debtor must complete a person financial management course with an approved non-profit agency and submit another certificate of debtor education to the court within 45 days of the first meeting of creditors, or they will not receive a discharge.

Full-Service Bankruptcy Representation

From your initial consultation and every step of the way, including your mandatory credit counseling and debtor education, you can rely on our attorneys to keep you up to date on your case and fight for your rights.

Contact Silver & Lesser, P.C.

We are here to answer your questions about bankruptcy and mandatory credit counseling. Contact us to arrange a consultation with a lawyer.