Consejos:

Housing and Credit Counseling

Housing and Credit Counseling - You don’t have to go through the foreclosure prevention process alone. A counselor with a housing counseling agency can assess your situation, answer your questions, go over your options, prioritize your debts, and help you prepare for discussions with your loan servicer. Housing counseling services usually are free or low cost.
 

Credit Counseling Education

Before You File for Personal Bankruptcy: Credit Counseling and Debtor Education

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 launched a new era: With limited exceptions, people who plan to file for bankruptcy protection must get credit counseling from a government approved organization within 180 days before they file. They also must complete a debtor education course to have their debts discharged.
   

Pre Bankruptcy Counseling

Pre Bankruptcy Counseling - A pre-bankruptcy counseling session with an approved credit counseling organization should include an evaluation of your personal financial situation, a discussion of alternatives to bankruptcy, and a personal budget plan. A typical counseling session should last about 60 to 90 minutes, and can take place in person, on the phone, or online.
   

Post Filing Debtor Education

Post Filing Debtor Education - A debtor education course by an approved provider should include information on developing a budget, managing money, using credit wisely, and other resources. Like pre-filing counseling, debtor education may be provided in person, on the phone, or online. The debtor education session might last longer than the pre-filing counseling two hours and the typical fee is between $50 and $100.
   
Atlanta Georgia Anaheim Austin Texas Albuquerque New Mexico City Arlington Virginia Baltimore Maryland Boston MA Chicago IL El Paso Corpus Christi Texas Dallas Texas Houston San Antonio Detroit Denver Colorado Hartford CT Providence Miami Fort Lauderdale Florida Orlando Tampa Milwaukee Las Vegas Nevada Anaheim Los Angeles San Francisco CA San Diego Sacramento Riverside San Bernardino Phoenix Arizona Tucson Philadelphia PA Nueva York Seattle Washington DC Puerto Rico Nueva Jersey Canada Monterrey Mexico DF Guadalajara Tijuana