Bankruptcy Credit Counseling

Law Office of John Bristol - 1776 N. Pine Island Road, #224, Plantation, Florida 33322 (954) 475-2265

Since 1988, Fort Lauderdale Bankruptcy Attorney Center of John Bristol has filed more than 5,000 consumer Chapter 7 Bankruptcy and Chapter 13 Bankruptcy Cases in the Fort Lauderdale area (the Southern District of Florida). As a Fort Lauderdale Bankruptcy Attorney; John concentrates his Bankruptcy law practice only in Broward County. We offer PAYMENT PLANS and give FREE CONSULTATIONS (954) 475-2265

A major change in the the 2006 amendment to the bankruptcy law is the requirement to take a Bankruptcy Credit Counseling course prior to the filing of the bankruptcy petition. 

Another major change to the law enacted by BAPCPA deals with eligibility. Section 109(h) provides that a debtor will no longer be eligible to file under either chapter 7 or chapter 13 unless within 180 days prior to filing the debtor received an "individual or group briefing" from a nonprofit budget and bankruptcy credit counseling agency approved by the United States Bankruptcy Court or bankruptcy administrator.

The new legislation also requires that all individual debtors in either chapter 7 or chapter 13 complete an "instructional course concerning personal financial management." If a chapter 7 debtor does not complete the course, it constitutes grounds for denial of discharge. The financial management program is experimental and the effectiveness of the program is to be studied for 18 months. Theoretically, if the bankruptcy credit counseling educational courses prove to be ineffective, the requirement may disappear.

 

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Fort Lauderdale Bankruptcy Attorney John Bristol has filed more than 10,000 Bankruptcy cases in Florida since 1988. We concentrate Now our law practice on Chapter 7 Bankruptcy (liquidation) and Chapter 13 Bankruptcy (personal reorganization) cases in the Fort Lauderdale and Broward County area

In 2006 more than half of all certified pre-filing counseling sessions were rendered by the three largest credit counseling agencies. A 2007 General Accounting Office report was inconclusive regarding the efficacy of the counseling provisions and concluded that there is no mechanism in place to evaluate it: the value of the counseling requirement is not clear. The counseling was intended to help consumers make informed choices about bankruptcy and its alternatives.

Yet anecdotal evidence suggests that by the time most clients receive the counseling, their financial situations are dire, leaving them with no viable alternative to bankruptcy. As a result, the requirement may often serve more as an administrative obstacle than as a timely presentation of meaningful options. Because no mechanism currently exists to track the outcomes of the counseling, policymakers and program managers are unable to fully assess how well the requirement is serving its intended purpose. Government Accounting Office, Bankruptcy Reform: Value of Credit Counseling Requirement Is Not Clear. For More information see Wikipedia, Credit Counseling

Law Office is on the Corner of Sunrise Boulevard and Pine Island Road

From I 95: Take Sunrise Boulevard West to Pine Island Road

From I 595: Take Pine Island Road North to Sunrise Boulevard

1776 N. Pine Island Road, #224

Plantation, Florida 33322

Please Contact Us If You Have Any Questions

  • Fort Lauderdale Bankruptcy Attorney Center US
  • Fort Lauderdale Bankruptcy Attorney Center Bar
  • Fort Lauderdale Bankruptcy Attorney Center NSU
  • Fort Lauderdale Bankruptcy Attorney Center FLN
The Law Office of John Bristol, 1776 N. Pine Island Road, #224, Plantation, Florida 33322 is a debt relief agency.  We help people file for bankruptcy relief under the Bankruptcy Code.  Disclosure: The hiring of a lawyer is an important decision that should not be based solely on advertising.  Before you decide please ask us for information concerning out qualifications and experience

Serving Locations

Coral Springs, Dania, Davie, Deerfield Beach, Fort Lauderdale, Hallandale, Hollywood, Lauderhill, Margate
Miramar, Pembroke Pines, Plantation, Pompano Beach, Sunrise, Tamarac