Luongo Bellwoar helps clients in West Chester file for bankruptcy. People with debt problems come to us for reliable legal advice on how to use personal bankruptcy protections to get debt relief. We provide experienced and personal Chapter 7 and Chapter 13 bankruptcy services for clients in Chester County.
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Before you can file for bankruptcy you must receive credit counseling from an approved credit counseling agency. This must be done within 180 days before filing your bankruptcy case.
When filing for bankruptcy in West Chester there are a couple credit counseling services available including:
Consumer Credit Counseling Service of Delaware Valley
770 E Market St #190
West Chester, PA 19382
265 West High Street #2
Pottstown, PA 19464
The credit counselor will review your possible options to address your debt. It is a good idea to meet with an attorney before going to the credit counseling because a lawyer will be able to give you legal advice on whether bankruptcy is a good option for you.
When you do go to the credit counselor you should expect to pay a nominal fee for the counseling. The agency might offer you a debt management plan (DMP) where they consolidate your debts and setup a monthly payment plan to pay them down. A DMP might work if you are not in serious financial trouble but even with a plan you might end up needing to file bankruptcy.
If you eventually decide that bankruptcy is the right choice you will need a certificate from the agency showing that you received counseling prior to filing for bankruptcy. Then you can return to your attorney to begin the process of filing for bankruptcy. Find more information about getting help filing bankruptcy in Pottstown.