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

When it comes to bankruptcy law in Hawaii, the state offers a variety of debt counseling services both before and after filing for bankruptcy. Before filing for bankruptcy, many Hawaii residents can take advantage of free debt counseling through the state’s Department of Commerce and Consumer Affairs (DCCA). DCCA offers free financial counseling and can provide advice and recommendations about how to handle debt obligations. Those who are considering filing for bankruptcy can also utilize organizations such as the Hawaii Association of Credit Counseling Services (HACCS) to get guidance. HACCS is an association that offers consumer-oriented debt counseling services, such as helping individuals budget and find debt relief solutions. For those who have already filed for bankruptcy, there are still debt counseling options available. A bankruptcy attorney can provide invaluable guidance and support throughout the bankruptcy process. Additionally, many bankruptcy filers find great success with post-bankruptcy debt counseling services such as credit counseling and budgeting. These services can help individuals not only understand their financial situation better, but also create a plan to stay out of debt in the future. Finally, many bankruptcy filers find great success with debt settlement agencies, which are organizations that specialize in negotiating reduced debt payments with creditors. Debt counseling is an invaluable resources for any individual considering bankruptcy or anyone who has already filed for bankruptcy. By taking advantage of these services, Hawaii residents can better understand their financial situation and find the best debt relief solutions.

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

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