What kind of debt counseling is available before and after filing for bankruptcy?

Debt counseling is available to Delaware residents before and/or after filing for bankruptcy. Bankruptcy law mandates that those filing for bankruptcy receive credit counseling from an approved provider within 180 days before filing. This counseling is designed to evaluate the individual’s financial situation, discuss the options for dealing with debt, and provide personal financial education. Once bankruptcy has been filed, a debtor education program is also required to be completed. This program helps individuals develop their budgeting and money management skills. Both of these counseling services are offered free of charge by approved providers that are approved by the United States Trustee Program. Additionally, after filing for bankruptcy, an individual may be able to receive additional resources from the Delaware Department of Justice’s “No-Cost Post-bankruptcy Debt Relief Counseling Program”. This program is intended to provide free follow-up counseling services for individuals who have completed their initial credit counseling and debtor education programs. It also provides resources to assist individuals in rebuilding their credit and managing their finances in the aftermath of filing for bankruptcy. Finally, individuals can also find debt counseling services through private providers. Private debt counseling can offer more tailored services and can be an alternative to the services provided by the bankruptcy court. In summary, debt counseling is available to Delaware residents before and/or after filing for bankruptcy. This counseling is available free of charge through approved providers and offers individuals the opportunity to evaluate their financial situation, discuss options for dealing with debt, and build their budgeting and money management skills. Additionally, debt counseling is also available through private providers for those that are interested.

What kind of debt counseling is available before and after filing for bankruptcy?

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