Get the Credit Counseling You Need

October 2005 brought reforms to the federal Bankruptcy Code through the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). Though some legal firms find it difficult to adjust, the Michigan law firm of Babut Law Offices, PLLC, believes these changes to be user-friendly. Personal bankruptcy, especially Chapter 7, is alive and well. Contact us for a free consultation.

Approved Credit Counseling Is Required for Bankruptcy

The 2005 bankruptcy laws include two major components: required means testing and required credit counseling. The means test is administered by a qualified bankruptcy attorney and determines whether families are eligible to file for Chapter 7 or for Chapter 13. The required credit counseling goes beyond the run-of-the-mill agencies that prolong the inevitable through debt consolidation or lowered interest rates.

Under the 2005 laws, people considering bankruptcy must meet with an approved national credit counseling agency prior to filing. When the bankruptcy law firm has received a copy of the certificate of completion for the counseling, then the attorney may proceed with filing. Post filing, debtors must complete an additional counseling requirement covering topics such as responsible borrowing, budgeting and improving credit reports.

We Make It Easy

At the Babut Law Offices, PLLC, we are associated with a professional and reputable national credit counseling agency. When you choose us as your bankruptcy firm, you will not be required to pay out of pocket for the counseling fees. We will provide you with our billing code. The counseling agency will then send your certificates of completion directly to us to expedite your filing process.

Since 1991, our attorneys have helped more than 25,000 families find debt relief through personal bankruptcy. With over 50 years of combined experience and an annual regimen of continuing education, our lawyers stay current with the Bankruptcy Code requirements.

Contact Us for a Complimentary Consultation

If you are experiencing financial hardship and need the legal advice and representation of an experienced bankruptcy lawyer, please contact the law firm of Babut Law Offices, PLLC, to arrange for a free initial consultation. With four locations in southeast Michigan, we provide quality legal services at affordable price. Contact us by calling 800-671-8068 or 734-485-7000 or by sending an email message.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.