The traditional stigma of bankruptcy has faded and been replaced by the view that it is a fresh start after a time of  emotional and or physical stress.

Many people filing for bankruptcy have experienced unexpected  financial shock, such as that caused by sudden events such as job loss, business failure, death, divorce or illness.

Filing for bankruptcy can be the right answer. If you are facing serious financial challenges, it is very important to seek the counsel of an experienced bankruptcy attorney.

Credit Counseling Requirement in Bankruptcy
In 2005, Congress passed and the president signed the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA), a bankruptcy reform law. One of the new requirements BAPCPA imposes on a new bankruptcy debtor is to receive credit counseling from an approved credit counseling agency before the bankruptcy filing. Chimko  and Associates are attorneys experienced in consumer credit and bankruptcy law and we can help educate debtors about these new counseling requirements.

 Please call us today and get started on that “Fresh Start” – whether it is filing for bankruptcy or taking the steps to get your credit in order.