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Benefits of Credit Counseling

Milwaukee Credit Counseling Debtor Education Attorney

Madison ● Milwaukee ● Oshkosh ● Green Bay ● Sheboygan

The bankruptcy code amendments of 2005 include a significant change requiring individuals to seek credit counseling prior to filing Chapter 7 or Chapter 13, and debt education before bankruptcy is completed. Without these mandatory counseling classes from an approved agency, you cannot submit a petition for bankruptcy or have your debts legally discharged. The experienced bankruptcy lawyers of Debt Advisors, S.C. help residents in Milwaukee, Dane, Brown and Winnebago counties get a fresh start through bankruptcy.

We believe it is always good to know where your hard-earned money is going, and we can help you register for the required credit counseling and debt education classes. Contact us at one of our four offices in Milwaukee, Green Bay, Madison or Oshkosh, Wisconsin.

Wisconsin Debt Management Service Lawyers

Required attendance in the credit counseling class can provide you with alternatives to filing for bankruptcy. The class may be taken in person, over the telephone or online and usually lasts no more than an hour. Once completed, you have the option to continue the bankruptcy process. While many creditors prefer that you seek debt consolidation rather than filing for bankruptcy, it pays to be wary of debt consolidation scams. Our bankruptcy attorneys will help you understand your options so that you can make informed decisions about how to proceed.

In addition to the credit counseling class, you are also required to attend a debtor education class before your debts are legally discharged by the bankruptcy court. A counselor in this class can help teach you money management skills including:

  • Recognizing the warning signs of unmanageable debt
  • Setting a reasonable budget
  • Dealing with identity theft and debt collectors
  • Understanding credit report myths and truths

Debt education class is a proactive means to address both you current financial problems, and any future challenges that you may face. Our comprehensive approach to consumer bankruptcy can help you repair your credit report and other life after bankruptcy concerns.

Contact Our Madison Bankruptcy Attorney Today

While credit counseling and debtor education are not free the courses offer valuable financial advice. Contact Debt Advisors, S.C. for an appointment to discuss how we can help you make a fresh start.

We are a Debt Relief Agency. We help people file for relief under the Bankruptcy Code.

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Debt Advisors, S.C., provides debt relief options for clients in Wisconsin, including the cities of Milwaukee, Waukesha, Green Bay, Sheboygan, Kenosha, West Bend, Pewaukee, Brookfield, Delafield, Fond Du Lac, Juneau, Menomonee Falls, Grafton, Germantown, Jackson, Madison, Racine, Kenosha, Appleton, Oshkosh, Beloit, Janesville and New Berlin, as well as Milwaukee County, Waukesha County, Dane County, Washington County, Dodge County, Sheboygan County, Winnebago County, Fond Du Lac County, Brown County and Ozaukee County.