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Bankruptcy Counseling

Bankruptcy Requirements

Whether through unexpected life changes or unwise choices, you may find yourself seeking bankruptcy protection. In 2005, Congress passed The Bankruptcy Abuse Prevention and Consumer Protection Act which requires consumers to attend a Financial Services session before and after filing bankruptcy.

In our continual efforts to improve the products and services we offer to our clients, we are not currently accepting new clients for our bankruptcy program. Please visit the US Trustee Program’s website to locate an approved counseling agency in your area


Issues to Consider

Bankruptcy will affect your financial life for several years. It is very important that you consider all of the issues before deciding to discharge your debts in this manner.

  • Your credit rating could be affected for up to ten years.
  • You may pay more to obtain a loan or credit card.
  • Not all of your debts may be discharged in a bankruptcy.
  • Bankruptcy is a matter of public record and may affect your reputation in your community.

Bankruptcy is meant to be a last resort. You should try all other methods of repayment before filing for bankruptcy.


Apprisen has been approved by the Executive Office of the United States Trustees to provide bankruptcy education and to issue certificates of attendance in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services.

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