Consumers filing for bankruptcy must obtain consumer credit counseling within 6 months prior to filing date. Some jurisdictions require that you obtain CCCS counseling at least the day before you file the BK or your case can be dismissed.  This does not, however, mean that a consumer must develop or create a repayment plan before filing the bankruptcy.

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There have been rports that some collection agencies have been telling consumers that they cannot file bankruptcy.  I think that since the new bankruptcy law was passed in 2005 that people think that bankruptcy is gone.  This is simple not true.  You can still file for bankruptcy if you are having a financial crisis.

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“If the American people ever allow private banks to control the issue of their currency, first by inflation then by deflation, the banks and corporations will grow up around them, will deprive the people of all property until their children wake up homeless on the continent their fathers conquered.  The issuing power should be taken from the banks and restored to the people, to whom it properly belongs.”  Thomas Jefferson

Is It Harder To File For Bankruptcy Now? Continue Reading »