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

In Kansas, debt counseling is available both before and after filing for bankruptcy in order to help individuals manage their finances and review their options. Before filing for bankruptcy, individuals in Kansas should seek counseling from a credit counseling agency approved by the United States Trustee Program. These agencies provide services to educate individuals about budgeting and money management. Through budget and debt counseling, individuals can learn how to manage their expenses and create a plan to pay off debt over time. In addition, credit counseling may provide individuals who are considering bankruptcy with alternatives that may help them avoid bankruptcy altogether. For those who decide to file for bankruptcy, counseling is still available after filing. Debtors must complete a pre-filing credit counseling course with an approved credit counseling provider which is designed to help them better understand budgeting and money management. Post-filing counseling is also required before the debtor can receive a bankruptcy discharge. This counseling is designed to review additional alternatives to filing bankruptcy, such as developing a debt management plan and continuing credit counseling. By taking advantage of the debt counseling available before and after filing for bankruptcy, individuals can better manage their finances, understand their options, and make the decisions that are right for them.

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

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