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Bankruptcy Counseling

Pre-filing Counseling


If you find that you have exhausted all other options for debt repayment and decide to file for bankruptcy, you must first attend a special Financial Services session. During this session, you will receive:

  • A budget and financial net worth analysis
  • An analysis of your current financial situation and the factors that caused it
  • A review of bankruptcy alternatives and consequences
  • A plan to avoid financial problems in the future
  • A certificate of completion

Bankruptcy Pre-Filing Counseling Options:

Apprisen offers three different counseling methods to help you meet the requirements of the pre-filing counseling session:

Face-to-Face Counseling

60 to 90 minute session with Certified Financial Counselor


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Telephone Counseling

60 to 90 minute session with Certified Financial Counselor


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Internet-Based Counseling

Complete your pre-filing bankruptcy counseling online.

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Fees

The fee for online bankruptcy counseling is $30 for an individual or joint bankruptcy filing. The phone and face-to-face pre-filing counseling session fee is $50 for an individual or joint bankruptcy filing. This fee may be waived or reduced in limited hardship circumstances. For more information, please call 800.355.2227.

Helpful Links for Homeowners Considering Bankruptcy

If you are a homeowner, you may be able to receive assistance on your mortgage. For more information, view the HAMP fact sheet and HAMP FAQs for bankruptcy filers:

Apprisen has been "Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse the quality of an Agency's services."

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