Many people are under the impression that bankruptcy law changes in 2005 eliminated bankruptcy for most people or made it harder to file.  This is not true.  Although there are added qualifications for certain types of bankruptcies and some additional requirements such as the credit counseling mentioned below, the truth is that most people who qualified before the law changes will still qualify today for Chapter 7 or Chapter 13.  In fact, although some changes are less favorable to consumers who file bankruptcy, other changes are more favorable.

 

If you are serious about filing, you are required by law to complete a credit counseling class before you file.  This can be done online usually in less than an hour at Hummingbird.org.  The fee to complete this credit counseling online course is $34.00.  However, this fee is not charged until we retrieve your certificate of completion when you are ready to file your case.  We collect the fee from you at that time and pay Hummingbird directly, so you can take the course now without worrying about the cost should you change your mind about filing before you retain us.