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Bad credit
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When your credit rating is in a deep hole it's tough to get a good foothold. |
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| A bankruptcy timeline |
| By Brigitte
Yuille Bankrate.com |
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| What happens before, during
and after bankruptcy |
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Counseling
must be taken within six months
of filing at a government-approved
nonprofit credit counseling agency: |
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The cost is
estimated at $50, but the fee
can be waived depending on the
debtor's circumstances. |
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Delivered
by phone, Internet or in person. |
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Can take as long as 90 minutes. |
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Certificate
is issued upon completion. |
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