With the economy in a recession, job layoffs common and prices for necessities rising, it is no surprise that bankruptcy filings across the country are at an all time high. Not surprisingly, our firm frequently receives calls from prospective clients who need to file bankruptcy but who are flat broke.
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Part of the bankruptcy work that Clark and Washington does with our Chapter 13 clients involves the creation of a budget that will become part of the bankruptcy petition and filed with the clerk of bankruptcy court.
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At Clark and Washington, we get a lot of questions about the credit counseling and financial management course requirements set out in the bankruptcy laws. When are these courses required? How much do they cost? Why are there two courses? How long do the courses take?
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