To Get Credit Counseling, You Have to Speak the Language

Steven J. Richardson | July 20, 2006

As most people know now, under §109(h) of the BAPCPA Bankruptcy Code, a debtor must obtain a certificate of completion of a credit-counseling course. This requirement can be waived, however, upon motion, if the debtor is physically disabled, mentally incapacitated, in active military service in a combat zone, or if no adequate, approved credit counseling [...]

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Yes, You Can Still File Chapter 7

Steven J. Richardson | July 6, 2006

During the months leading up to the October 17, 2005, changes to the Bankruptcy Code, there was a lot of talk about how much more difficult it would be to get a fresh start under the new law, creating a sense of urgency to file “before it was too late.” Now, after the changes, many [...]

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