Should I use a credit counseling agency before filing for bankruptcy?

As an experiecned bankruptcy attorney, I can explain to you how debt management and credit counseling services operate and help you determine if they are right for you.

You should be aware that the credit counseling industry is under national scrutiny for deceptive advertising and charging excessive fees. In many cases, people who want to avoid bankruptcy may sign up for a debt repayment plan at the credit counseling office, only to find themselves scrambling to pay the associated fees, on top of a burdensome debt load. I urge my clients to listen carefully, ask many questions, and think about the financial implications of signing on to a debt repayment plan during a required credit counseling session.