Bankruptcy doesn't have to be something bad.
It can actually be the start of something good.
Your situation is unique, and it's personal.
Your attorney should be as well.

Exemptions to Credit Counseling

Under many laws, there is some form of exemption, whether it is due to an unfortunate circumstance or voluntary action. Under the Bankruptcy Abuse Prevention and Consumer Protection Act’s requirement to attend credit counseling prior to filing for bankruptcy, these exemptions are put in place for extreme situations in which either the individual or system cannot benefit from credit counseling.

Knowing whether or not you are exempt for credit counseling could save you time and effort when filing for bankruptcy. Filing for any chapter of bankruptcy requires counseling under BAPCPA. To better understand how your situation fits into the current laws, contact an experienced legal professional. The Birmingham bankruptcy lawyers of Greenway Bankruptcy Law, LLC, are here to help you today. Contact us by phone at (205) 324-4000.

Guidelines for the Credit Counseling Exemption

The law provides for a few different circumstances under which a bankruptcy filer may qualify for credit counseling exemption. These include:

  • The individual is engaged in a military operation in a live combat area
  • The individual is mentally incapable
  • The individual is physically disabled
  • There are not enough resources available to the individual to complete counseling

Under these circumstances, the debtor may go to court to submit the proper paperwork or contact a U.S. bankruptcy trustee, depending on the type of exemption.

Contact Us

While bankruptcy can offer you a second chance to restart your financial life, the nature of BAPCPA and more recent modifications to previous laws make filing more complex and time-consuming. Determining what is right for your individual circumstances can pose a serious challenge. If you would like to learn more about the details of bankruptcy law and how bankruptcy could help you, contact the Birmingham bankruptcy lawyers of Greenway Bankruptcy Law, LLC, today at (205) 324-4000.

"When I had my power cut off because I just didn't have the money to pay the power bill, a friend suggested I call Paula Greenway. From the moment I walked in her office I felt like a burden was lifted from my shoulders."
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"I would just like to say that I was impressed by the staff of Greenway Bankruptcy Law, LLC and their attention to professionalism. They made the bankruptcy process not only pleasant but simple."
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Greenway Bankruptcy Law, LLC
505 20th St N #1220
Birmingham, AL, 35203
Phone: (205) 324-4000
Tuscaloosa: (205) 737-3350
Gadsden: (256) 467-6650

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Greenway Bankruptcy Law, LLC All rights reserved. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The following language is required pursuant to Rule 7.2, Alabama Rules of Professional Conduct. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

Greenway Bankruptcy Law, LLC 505 20th St N #1220, Birmingham, AL, 35203 | Phone Number: (205) 324-4000