Studies have shown that credit counseling does not make you any better at succeeding financially, it is just a silly requirement passed in 2005 by the credit card industry in an attempt to make it more difficult for you to file bankruptcy.
The good news is it is not a big deal. It’s about an hour on the internet and then about ten minutes on the phone and you are done. I provide a link on my website to Hummingbird Credit Counseling which does not even offer debt management plans so do not worry, no one will sell you a debt management plan that you do not want and cannot afford. Another reason I use a counseling service that does not offer debt management plans is that if one is developed during the counseling session you are required to file the plan together with the certificate in the bankruptcy court. I think this is a bad idea because it could be used to argue that you could repay some debt.
Once you have done the phone call my office will download the certificate. It is that simple. I will pay for the credit counseling of all my clients as long as you use Hummingbird.
It is very easy to get the credit counseling and it serves no useful purpose, it is just a barrier set up to make it harder for your to file bankruptcy.
