Southeast Ohio Credit Counseling Attorneys Help You Find Answers

Bankruptcy and credit counseling advice from lawyers serving West Chester, Mason and Lebanon in Ohio

Ernst & Associates’ full-service general practice firm offers excellent legal strategies and counsel regarding your bankruptcy issues, and we also have experienced and trusted credit counseling attorneys. Our Westchester, Mason and Lebanon area lawyers can assist you in locating appropriate credit counseling in your jurisdiction.

Reforms to the bankruptcy laws and procedures have made credit counseling a mandatory prerequisite when filing either Chapter 7 or Chapter 13 bankruptcy petitions. You are required to meet with a credit counselor from an approved credit counseling agency in your jurisdiction within six months before filing your bankruptcy petition. Our credit counseling attorneys can give you the names of U.S. Trustee-approved credit counseling agencies in your court district.

Credit counseling classes are usually brief and easy, and can often be completed over the telephone or online. Typically, the programs present some basics of financial management and give you the tools to design a budget. Such programs are beneficial as a means to keep your future finances in order, and they also provide a template your credit counseling attorney can use to gather the information needed for the upcoming bankruptcy proceedings. Once you’ve completed the credit counseling classes, you receive a certificate that is presented to the court as proof that you have fulfilled this mandatory requirement.

How Ernst & Associates credit counseling attorneys can help you

Our diligent Chapter 13 and Chapter 7 bankruptcy attorneys address three crucial items prior to filing your bankruptcy petition:

• We advise you of the U.S. Trustee-approved credit counseling classes in your jurisdiction
• We work with you on gathering the financial data
• We file your credit counseling certificate with the court

Getting sound legal advice from our trusted Lebanon, Ohio credit counseling attorneys about which counseling classes are court-approved is important, as there are many unapproved non-profit credit counseling agencies that are actually fronts for credit card companies that want to drag you deeper into debt.

Call to schedule a free initial consultation with our bankruptcy attorneys

Our goal at Ernst & Associates is to get you out of debt and get rid of the accrued interest on that debt. Using extensive experience in Ohio bankruptcy laws, our bankruptcy and credit counseling attorneys provide our clients with sophisticated and up-to-date legal advice. Contact us online or by telephone at 513-268-0738 for an immediate consultation at no charge to you.