St. Louis bankruptcy lawyer info-Before filing any bankruptcy like Chapter 7 or Chapter 13
Bankruptcy pre-bankruptcy counseling is a must. Call bankruptcy attorney Frank Ledbetter
(314) 669-4529. Hi, I’m St. Louis bankruptcy attorney Frank
Ledbetter. I’ve been a St. Louis bankruptcy lawyer since 2003. If you’re considering filing
for bankruptcy, you are probably wondering what steps you need to take beforehand. Prior to the filing of any type of bankruptcy
case by an individual, the bankruptcy client must complete a specially designed pre-bankruptcy
counseling course (sometimes referred to as “credit counseling”) and submit the certificate
of completion for the course to the client’s bankruptcy lawyer. The pre-bankruptcy counseling
is required prior to the case filing even when the client has an emergency such as an
immediate need to stop foreclosure of the client’s real property. The bankruptcy client has the option of completing
the pre-bankruptcy counseling course with any counseling agency approved by the United
States Trustee’s Office for the district in which the client will be filing the case.
In-person counseling is available in some locales. Most bankruptcy clients, however,
opt to complete the pre-bankruptcy counseling over the telephone or online. The bankruptcy client should give the counseling
agency the fax number or e-mail address for the client’s bankruptcy attorney and request
the counseling agency send the certificate of completion to the bankruptcy lawyer. The
pre-bankruptcy counseling must be completed within 180 days prior to the filing of Debtor’s
case. If a client completes the counseling course and waits 181 days or more to file
the case, the counseling must be repeated before the bankruptcy attorney may file the
client’s case. The counseling agencies typically charges
$25.00-$50.00 for the pre-bankruptcy counseling depending on the agency and sometimes depending
on whether the counseling is completed via the internet or telephone. For clients who
have very limited income, a fee waiver may be obtained from the counseling agency. If you live in Missouri… like Jefferson
County, Franklin County, St. Charles County, or anywhere near St. Louis and are considering
filing for Chapter 7 or Chapter 13 bankruptcy, I want you to have my FREE SPECIAL REPORT
at no charge. It reveals tips and strategies good people who’ve suffered through tough
times can use to turn things around. Just visit to
get your own copy sent to you right away. As an additional bonus, I would be glad to
meet with you for a no cost, no commitment consultation to help you explore your options
so that you may determine which debt relief option is best for you.