• 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.

What To Expect During Pre-bankruptcy Credit Counseling

Before anyone can file for bankruptcy, they must attend a credit counseling course with an provider approved by the US Bankruptcy Courts. Upon completion of this credit counseling course, you receive a bankruptcy certificate which must be filed with the court. Here’s what you can expect during the pre-bankruptcy credit counseling.

Credit Counseling Certificate

The initial credit counseling course focuses on bankruptcy and alternatives to bankruptcy so that you understand the bankruptcy process from start to finish, as well as other options you have such as debt consolidation and debt assistance programs. The credit counseling course isn’t difficult, takes 60 to 90 minutes, and can be done in person, on the phone, or online. During the class you will provide information about your finances in an effort to determine whether bankruptcy is really the best option for you.

Finding and Paying for Credit Counseling

Fees for pre-bankruptcy credit counseling depends on which agency you choose but generally, cost between $15 and $50 dollars. The credit counseling provider I refer my clients to charges $14.95.

If you have questions about the bankruptcy or credit counseling process, call our Stockon California bankruptcy office for help. We can help guide you through the process from deciding on bankruptcy to debt discharge.


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