Filing bankruptcy starts with getting credit counseling. If you?re wondering what this is all about, it?s the stage where you get to learn about all your options for dealing with debt. Inasmuch as it?s easier and far simpler to file for chapter 7 bankruptcy for example, this can have a negative on your credit for a period of 10 years. When you can do away with negative effects through alternative options, you?ll learn about this at credit counseling.
When you?re done with credit counseling and your only option is bankruptcy, you have two choices where you can file for chapter 7 or chapter 13. Everything will be outlined for you so that you can make an informed decision about what?s right for your financial situation today. Six months after this credit counseling, that?s the only time you can file your petition for bankruptcy.
Getting started filing bankruptcy comes with getting credit counseling.
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