what are the steps to file bankruptcy
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The first step in filing bankruptcy is deciding if it is the best option for you.
Credit Counseling
In order to file a Chapter 7 or Chapter 13 bankruptcy, you must first receive budget and credit counseling from an approved credit counseling agency within 180 days before your bankruptcy case is filed. The agency will review possible options available to you and assist you in reviewing your budget to determine if bankruptcy is your best option. Different agencies provide the counseling in-person, by telephone, or over the Internet. If you decide to file bankruptcy, you must have a certificate from the agency showing that you received the counseling before your bankruptcy case was filed.
The first step in filing bankruptcy is deciding if it is the best option for you.
Credit Counseling
In order to file a Chapter 7 or Chapter 13 bankruptcy, you must first receive budget and credit counseling from an approved credit counseling agency within 180 days before your bankruptcy case is filed. The agency will review possible options available to you and assist you in reviewing your budget to determine if bankruptcy is your best option. Different agencies provide the counseling in-person, by telephone, or over the Internet. If you decide to file bankruptcy, you must have a certificate from the agency showing that you received the counseling before your bankruptcy case was filed.