Credit Counseling Exemptions
The Bankruptcy Abuse Prevention and Consumer Protection Act (or BAPCPA) requires a person who hopes to file for bankruptcy to enter into a credit counseling program first. However, there are a few important exemptions that allow those in extreme circumstances to still enjoy the benefits of bankruptcy without seeking credit counseling.
Bankruptcy law can be very complex, but knowing whether or not you fall into an exemption category can save you significant time and effort. If you need a legal advocate to help you through the bankruptcy process, contact the West Palm Beach bankruptcy attorneys of Eric N. Klein & Associates, P.A. by calling 561-353-2800.
Grounds for Exemption
People who file for bankruptcy are generally required to undergo credit counseling, but the law acknowledges that this is not a feasible option for every person. While individuals should consult an adviser for a complete list of credit counseling exemptions, some of the common exemptions include:
- Physical disability
- Mental incapacity
- Military service, while deployed in an active area
- Lack of viable agencies to perform counseling
The provisions for medical exemption include a requirement stating that the debtor must file medical records and other appropriate papers with the court within five days of filing for an exemption.
Contact Us
Navigating the circumstances of credit counseling exemption can prove trying for any person. Let a lawyer familiar with bankruptcy law and the 2005 BAPCPA modifications help you. Contact the West Palm Beach bankruptcy lawyers of Eric N. Klein & Associates, P.A. at 561-353-2800 to discuss your case today.
