There are two types of consumer bankruptcy
We are a debt relief agency that helps people file for bankruptcy relief under the Bankruptcy Code.
A personalized consultation with attorney Heather Moseman and staff will determine which chapter of bankruptcy will best solve your financial problems.
Whichever chapter you may wish to pursue comes with General Rules:
- Each filer must complete a credit counseling for bankruptcy class prior to filing and a financial management class after filing but prior to discharge. (At the consultation, Attorney Moseman will supply to you a list of those who provide the course.)
- If the pre-filing class is not completed within six (6) months prior to filing then the case cannot be filed. If the post filing class is not completed within approximately three months after the filing then the discharge will not be granted to the filer and they will not be free of their debts.
- The courses can be taken on line or on the phone. There are classes offered at physical locations for those who prefer in person instruction.
- The Bankruptcy Reform Act of 2005 extends the time between Chapter 7 filings that allowed a discharge to eight (8) years.