Craig Lane Law
Focusing on what's important
What Must I
Do Before Filing Bankruptcy?
You must receive budget and credit counseling (also called a “credit briefing”) from an approved credit counseling agency within 180 days before your bankruptcy case is filed. The agency will review possible options available to you in credit counseling and assist you in reviewing your budget. Different agencies provide the counseling in-person, by telephone, or over the Internet. If you decide to file bankruptcy, you will need to file with the bankruptcy forms in your case a certificate from the agency stating that you received the counseling.
Craig Lane Law recommends you obtain your credit briefing via the internet from Hummingbird Credit Counseling and Education. Hummingbird is approved for use in all districts of North Carolina. They can be found on the internet at:
www.hummingbirdcreditcounseling.org
We will tell you more about this requirement at your consultation.
You must receive budget and credit counseling (also called a “credit briefing”) from an approved credit counseling agency within 180 days before your bankruptcy case is filed. The agency will review possible options available to you in credit counseling and assist you in reviewing your budget. Different agencies provide the counseling in-person, by telephone, or over the Internet. If you decide to file bankruptcy, you will need to file with the bankruptcy forms in your case a certificate from the agency stating that you received the counseling.
Craig Lane Law recommends you obtain your credit briefing via the internet from Hummingbird Credit Counseling and Education. Hummingbird is approved for use in all districts of North Carolina. They can be found on the internet at:
www.hummingbirdcreditcounseling.org
We will tell you more about this requirement at your consultation.