Why is this necessary and what does it entail? In 2005 the United States Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act designed to prevent people from using bankruptcy merely as a tool to get out of debt easily and without hassle. The law required that everyone who files for Chapter 7 must pass a “means test” as we have discussed here before, as well as, a Credit Counselling Course prior to filing for protection as well as the aforementioned Pre-Discharge Debtor Education Course prior to the discharge of the debts. While to some it may constitute just another layer of bureaucracy the intentions of the lawmakers were noble.
The effort lies in attempting to educate debtors on ways that they can avoid getting themselves into the same situation in the future. By making the courses mandatory it ensures that everyone will get the benefits of the credit counselling education and information that they provide. While this may seem intrusive to some, there are countless others who will no doubt benefit from the information and it just may help them to prevent a future re-occurrence. Before making any bankruptcy decisions be sure to contact a bankruptcy attorney in Houston Texas to get the advice and information that you require.
