Consumer Credit Counseling
and Debt Management

Under the new bankruptcy laws all debtors are required to complete consumer credit counseling before filing and a debt management course before your bankruptcy can be discharged.

Credit Counseling

The Credit Counseling evaluates your income and your debts to determine where you are financially and helps you to understand your options, which would include bankruptcy. However by law the Credit Counselors can't advise you whether you should file for bankruptcy.

This process takes anywhere from 45 to 90 minutes and will cost between $50.00 and $75.00. The new bankruptcy law states that these agencies must provide credit counseling services without regard to a client’s ability to pay and must disclose the possibility of a fee waiver or fee reduction before beginning the counseling session.

This requirement must be completed within 180 days prior to filing bankruptcy.

List of Court Approved Consumer Credit Counselors

Debt Management

Before your bankruptcy can be discharged you are required to take a debt management course which can also be done Online or over the phone. This course was made mandatory after the new bankruptcy law went into affect as the result of an assumption by congress that most people who file bankruptcy don't know how to manage their money appropriately. This course is meant to provide the debtor tools and information to avoid financial problems due to poor money management in the future.

The cost for the debt management program is also between 50.00-75.00 and you also may be able to qualify for a fee waiver or reduction.

List of Court Approved Debt Management Counselors

We represent clients in Western Washington, Spokane, Washington and other Eastern Washington communities, including Cheney, Clarkston, Colfax, Colville, Davenport, Ephrata, Moses Lake, Newport, Odessa, Pullman, Ritzville, Republic, Wenatchee, Seattle, Yakima and Walla Walla. We also represent clients in North Idaho, including Bonners Ferry, Coeur d Alene, Hayden, Lewiston, Moscow, Post Falls, Sandpoint, Wallace, Priest River, Plummer, St. Maries and Potlatch.

© Copyright 2008 Rob Hahn, all rights reserved

Web Design by Spokane Web Designer