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A:
New Jersey residents looking to file bankruptcy must first participate in a consumer credit counseling program and receive a certificate of completion that is good for 180 days. Your bankruptcy must then be filed within that time period, with the certificate attached, or the filing will be rejected. But what is the class for?
In essence, it is usually a one-size-fits-all course that talks about ways to avoid bankruptcy by cutting back on your expenses, getting a debt consolidation loan, or refinancing your house. Most people I meet with have already looked into these options and found them not to be helpful.
Even so, if I think there is an alternative to bankruptcy for someone, I tell them. Despite this, the course is mandatory, and takes about 90 minutes, either in person, online, or over the phone, depending on the vendor you choose.
Have more questions about bankruptcy? Get the answers to the most frequently asked questions by downloading my free book, Top Questions People Ask About Filing Bankruptcy in New Jersey. It will give you the answers you need all in one place. Then call me at 888-857-8418 or contact me through this site for an appointment for a free consultation to discuss your case.