Which Credit Counseling Course Should I Choose?

24 May Which Credit Counseling Course Should I Choose?

As of October 17, 2005, each debtor filing a new voluntary bankruptcy case must comply with Section 109 describing who may be a debtor.

Commonly known as the credit counseling requirement, this section requires that a debtor must have received a briefing, from an approved agency, that outlined the opportunities for credit counseling and assisted the individual in performing a related budget analysis before the debtor files bankruptcy.

Over the past year and half, I have become familiar with two such agencies, each approved to provide the required counseling program. These agencies are:

Institute for Financial Literacy, Inc.


Hummingbird Credit Counseling and Education, Inc.

Both agencies offer convenient internet or toll-free telephone service. My clients have satisfactorily completed programs with both companies.

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Andy Miofsky, Esq.

Andy Miofsky holds the highest AV PREEMINENT rating from Martindale Hubbell Law Directory and a perfect 10.0 from AVVO. Andy is an Illinois consumer rights lawyer with offices in Granite City Illinois. Andy represents people with bankruptcy and student loan debt problems throughout the Southern District of Illinois since 1979.
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