bankruptcy

Yes, as per the new Bankruptcy law, people wishing to file for bankruptcy (under Chapter 7 or Chapter 13) must complete a credit counseling program before they are allowed to file a bankruptcy petition.

To add to it, bankruptcy filers must obtain debt management counseling before being allowed to complete the bankruptcy process. In order to comply with these credit counseling and post-discharge debtor education requirements, filers must work with agencies that have been approved by the U.S. Trustee Program (a branch of the U.S. Department of Justice that is responsible for overseeing bankruptcy cases).

I have filed bankruptcy Chapter 13 yesterday and I have gone through credit counseling myself. It's necessary and the process will help you.

Oh yes!! It is mandatory since the new laws from 05'. You have to complete 2 classes, pre filing and post filing (before the dishcarge)... hope this helps...

You can do the classes online and they are interesting and helpful

so how do i get a garnishment off

is it free

wht about a debt consolidation into one monthly payment