One of the most highly-touted changes to the bankruptcy laws in 2005 was the addition of a credit counseling requirement. Anyone wishing to declare bankruptcy must first undergo credit counseling by a certified counseling agency. But consumer advocates are saying that the counseling requirement is just a meaningless hurdle when most client simply don’t have the ability to pay their debts.
According to the debt counseling agencies themselves, the percentage of people who are able to go into an alternative debt-management plan set up by the agency is “very, very low.” Usually by the time someone is considering filing for bankruptcy, he or she is already in very dire financial straits and has no other alternative.
In these cases the person simply goes through the motions of discussing their bills and budgets with a counselor before getting the sign-off to take it to the next step.
If you are behind on your bills and simply don’t have the money to pay them, bankruptcy protection may indeed be your best option. Be sure to consult with a qualified Arizona bankruptcy attorney so that you can be sure your bankruptcy will be handled according to the letter of the law.
At The Zolman Law, we believe that your life shouldn’t be defined by debt. We have helped hundreds of people just like you find the relief they deserve from harassing bill collectors, paycheck garnishment, foreclosures proceedings, and – most importantly – the constant worry about money and what to do about your debts.
We are a dedicated debt relief law firm. We help people from Phoenix, Mesa, Gilbert, Queen Creek, Chandler, Scottsdale, Apache Junction, Tempe and throughout Arizona file for bankruptcy or work through tough tax problems every day. We can help stop the debt cycle and give you relief from your overwhelming, burdensome, and crushing debt. Please don’t wait another moment. Call us right away – our attorneys will help get you the fresh start you deserve.