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Bankruptcy law FAQ
Filing for Bankruptcy: Choosing Between Chapter 7 and Chapter 13
What to expect: First credit counseling course
Every person that files for bankruptcy is required to complete two credit counseling courses. The cost of the credit counseling courses is $50 or $25 for each session. To complete the first credit counseling course:
- Gather the following information
- Monthly income
- Monthly expenses
- Your debts and the balance on your debts
- Go to www.acdcas.com
- Follow the directions on the website to set up your account
- Write down your user name and password
- When asked for the firm code type in “morgan” without the quotes
- After you register, you will be given a four digit user id number
- Write down your user id number
- Follow the direction on the website and fill out the requested information
- If you are unsure about any of the requested numbers, just put an estimate. Exact numbers are NOT necessary!
- You are required to spend at least one hour on the first course
- To complete the first course you will have complete an online chat
- They will ask for your user name, your date of birth, the last four digits of your SSN, and your user id number
- During the chat, you will verify information and ask any questions that you had during the course
- Your certificate of completion will be emailed to Morgan & Morgan
The first credit counseling course is designed to help you gather the required information to file bankruptcy. You will also see a snapshot of your financial situation.
Download the PDF resource: First Credit Counseling Course
Other Frequently Asked Questions:
- Are my student loans dischargeable in bankruptcy?
- Can a Chapter 7 bankruptcy save my home from foreclosure?
- Can bankruptcy help my credit score?
- Can bankruptcy help with my income tax obligation?
- Can bankruptcy protect my workers compensation settlement funds?
- Can I discharge my old tax debt in bankruptcy?
- Can I file for social security disability while I’m still working?
- Can I receive workers compensation benefits if I was injured before or after clocking out?
- Can my re-enlistment bonus be discharged in bankruptcy?
- Can the bankruptcy trustee in my case seize the funds in my bank account?
- Chapter 13 Basics
- Chapter 7 Basics
- Get help filing your income tax returns for free!
- How can I stop debt collectors from harassing me and my family?
- How do I decide if bankruptcy is necessary?
- How do I know if bankruptcy is the right choice for me?
- How does the foreclosure process work in Georgia?
- How long does a bankruptcy case take?
- How long must I live in this area before I can file bankruptcy here?
- I cosigned a debt for a friend and now he won't pay. What can I do?
- I was fired after being hurt on the job. Can I still file for workers compensation?
- I was injured at work. Can I sue my employer?
- I was terminated from my job after a work injury. Now my condition has worsened. What are my options?
- I’m considering filing a Chapter 13 bankruptcy. Do I have to include all my debts?
- I’m starting to think I may have to file for bankruptcy. Where do I start?
- If I file bankruptcy, can I keep my cars and motorcycles?
- Mortgage and debt relief for active military personnel
- My car has been repossessed. Can bankruptcy help me get it back?
- My Chapter 13 case was dismissed. Can I file a new case and protect my property?
- My doctor released me to light duty, but my employer is insisting I do more strenuous work. What should I do?
- My ex assumed our joint debts as part of our divorce settlement. Now he's filed bankruptcy. What can I do?
- My house is being foreclosed – What can I do?
- My workers comp doctor has released me to light duty work. Can my employer cut off my weekly benefits?
- My workers compensation doctor says I can return to work, but I can’t do the job. What can I do?
- Ripped off by a debt settlement company?
- Social security benefits — Can a creditor garnish my bank account and seize my social security funds?
- The trustee has filed a motion to dismiss my Chapter 13 case. What are my options?
- What can I do to improve my credit score?
- What to expect: First credit counseling course
- What to expect: free bankruptcy consultation
- What to expect: Second credit counseling course
- What to expect: Your next appointment
- When is my bankruptcy case closed by the court? Is it possible to reopen the case?
- Where would my bankruptcy case be filed, and where would the hearings be held?
- Will I have to sell my primary home, rental property or vacation home if I file for bankruptcy?
- Will paying off an old debt raise my credit score?
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Morgan & Morgan attorneys can help settle your debts such as credit card debt, auto loans and mortgage debt. Contact us if you need assistance with baknruptcy or have any questions about the process. No problem is too big or too small for us to help.