Q: If I don't know whether I should file or not. Is there a place where I can get free counseling or free help?
A: Before you file for bankruptcy, you must complete credit counseling. The purpose of this requirement is to help you determine whether or not there are other viable options for you. You can find a list of approved agencies here: http://www.justice.gov/ust/list-credit-counseling-agencies-approved-pursuant-11-usc-111
Many offer services for a nominal fee, and in some cases fee waivers are available.
In addition, many consumer bankruptcy attorneys offer a free initial consultation. Consider sitting down with a local bankruptcy lawyer to review your situation and get some advice on whether or not bankruptcy might be the right solution for you.
*Kevin Chern is Managing Partner of UpRight Law, a national law firm with licensed attorneys providing bankruptcy and consumer legal services in all 50 states. He is an Illinois licensed attorney with 21 years of federal consumer bankruptcy and consumer protection law experience. This response is for informational purposes only and is not intended to be legal advice. For legal advice, consult an attorney licensed in your state with the appropriate expertise.
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