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  • Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

Bankruptcy And Required Credit Counseling Courses

Many of our clients are surprised to hear that they are required to take a credit counseling and debtor education course during the process of their bankruptcy. The bankruptcy court requires that all bankruptcy filers complete a pre-bankruptcy credit counseling course, and a pre-discharge debtor education course.

Credit Counseling Course

The first course is the credit counseling course. This course needs to be completed before a bankruptcy case can be filed. Debtors should anticipate this course to take about an hour of their time to complete. There is no “pass” or “fail”, only participation points. Upon completion, your approved credit counseling course provider will issue a certificate of completion that you will need to provide to your attorney. Keep in mind, credit counseling course certificates do have an expiration date of 180 days. If your case is not filed before the expiration, you will have to take the course a second time. If you are filing with a spouse, both of you will need to complete the course.

The First Course

The first bankruptcy course will cover money management, budgeting, budget counseling, and a review of your net worth. There will also be a discussion of the factors that led to your financial difficulty and suggestions on how to overcome those struggles in the future.

The Second Course

The second course needs to be completed shortly after your bankruptcy case is filed and preferably prior to your meeting of creditors. In order to complete the second course, you will have to have your case number. If you do not complete this course by the deadline provided by the court, your case can be dismissed and you will not receive a discharge of your debts. In the event this happens, you would have to re-file your case in order to obtain a discharge. The second course will cover personal financial management.

For more information contact your Modesto bankruptcy attorney at 209-438-4990.

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