Helping you navigate the bankruptcy process.
After filing for bankruptcy, a person is required by the state of Massachusetts to take a debtor education class. No matter what type of bankruptcy a person is using, none of their debts will be discharged until they’ve completed one of these courses. During a debtor education class, bankruptcy claimants will learn how to budget and manage their finances responsibly after the bankruptcy process is completed. These courses are not a punishment and are rather intended to help spread fiscal responsibility to those who might not have had a fair chance to learn it.
What Are the Requirements for Massachusetts Bankruptcy Education?
For many years, the state of Massachusetts only required debtors to take a class before their debt was discharged. As of 2005, debtors are required to take two courses: a pre-discharge course and a second course just before their debts are discharged.
A person filing for bankruptcy must take a credit counseling course no more than 180 days before their filing. Finishing a course will provide a person with a credit counseling certificate that will have an expiration date. After they’ve gone through the bankruptcy process, bankruptcy claimants must take one more debtor education course before their debt discharge is completed.
How to Take a Massachusetts Debtor Education Course
The Department of Justice provides a list of approved debtor education agencies in Massachusetts. The courses can be finished online. While they are mandatory for bankruptcy filing, they are impossible to fail and only require a person’s participation to provide them with a credit counseling certificate.
Call Miller Law Group, P.C. at (508) 502-7002 for Help with Your Bankruptcy Filing
Whether you’re facing Chapter 7 or Chapter 13 bankruptcy, Miller Law Group, P.C. is ready to help. Besides guiding you through the debtor education process, our team will work with you to make sure the process is handled in a way that protects your financial future. We believe that everyone is entitled to the fresh financial start that bankruptcy provides, and we’re ready to help you obtain it! Call us now for an initial consultation. It’s free, confidential, and will help you discover what options are available to you.
Our Massachusetts bankruptcy lawyers are standing by to answer your questions right now at (508) 502-7002.
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