Arizona Bankruptcy: Credit Counseling | unschcalidad.net

A credit counselor is an individual you have to contact as a prerequisite before filing for bankruptcy. Preferably a credit counseling session is scheduled after the consultation with your Arizona bankruptcy lawyer and after conducting the means test. Here are a few things to remember:

1. A consumer is not allowed to file for bankruptcy unless he or she has had credit counseling within 180 days from the date of filing.
2. Only go to registered credit counseling centers. For a complete list just go to any bankruptcy court. You can even view and download the list.
3. Each filer even if you are filing jointly requires individual certification. Therefore always remember to mention if you are filing jointly and ask for the proper certificate.
4. A credit counselor is an uninterested third person who is highly knowledgeable about bankruptcy and other financial tools to stay out of debt so ask a lot of questions and listen to his or her advice.

Source: http://www.unschcalidad.net/business-finance/personal-finance/arizona-bankruptcy-credit-counseling

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