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What is credit counseling, and do I need it? Atlanta, GA

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What is credit counseling, and do I need it?

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Filing for bankruptcy protection is not necessarily as simple as filling out a few forms and submitting them to the courts. In fact, there are several steps a person needs to complete before he or she even files bankruptcy-related paperwork.

One of these steps is to complete credit counseling, which, in conjunction with debtor education courses, is required if a person wants to pursue bankruptcy. Knowing what these courses are and what purpose they serve can help you get a better idea of what to expect if you are considering bankruptcy as a means of discharging or repaying debt.

Credit counseling and debtor education programs, which are discussed more fully in this article, are intended to help you deal with the mistakes you may have made that led to overwhelming debt and prevent them from happening again in the future.

The purpose of the counseling requirement is in place so that you will have a counselor review your financial situation and help you identify potential resolutions outside of filing bankruptcy. The education aspect involves completing course designed to help you learn more about budgeting, responsible credit practices and managing income and expenses when there is a financial emergency.

Once the counseling and education courses are completed, you may be required to take a test (and score at least 70 percent) to prove that these requirements have been met. Only after meeting these requirements will a person be allowed to file a bankruptcy petition.

This is just one aspect of filing for bankruptcy that may come as a surprise to people who may not fully understand the process. If you are currently considering bankruptcy or other debt relief options, you can discuss your situation and get a better idea of your options by speaking with an attorney.

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634


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    Jamie L. Gingold, PC
    5.0 / 5.0

    Based on 28 reviews

    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

    Karen B.

    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

    Lyla B.

    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

    Julie T.

    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

    Julie T.

    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

    Anna T.

    Amazing! Outstanding!! They went over and beyond..I would recommend them to anyone needing a lawyer!!

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