Ask BCN: Wade Boyette addresses “Do I need to do credit counseling before filing for bankruptcy?”

“It is not mandatory to do credit counseling before filing bankruptcy. Sometimes it is advisable so that you understand what you’re facing and if there are any alternatives of getting out of debt without filing bankruptcy. One of the requirements, though, before you can file bankruptcy is you do have to take an online class that is a credit counseling course, in the sense that it will go through budgeting and get you some basic understanding of how to prepare a budget.”

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