Pre-Bankruptcy Counseling Services Are Available in Virginia

Before filing for bankruptcy, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires that you complete a budget briefing/credit counseling session with a nonprofit Credit Counseling agency approved* by the Executive Office of the United States Trustee. At the end of this counseling session, you will receive a Certificate of Completion that your bankruptcy attorney will need to file with your petition.

Debt Reduction Services Inc is a 501(c)3 nonprofit credit counseling agency approved* to provide your budget briefing by Internet, telephone or in person.

Pre-Bankruptcy Credit Counseling Methods

Pre-Bankruptcy Credit Counseling Methods	Indiv*	Couple*
Online Call Toll-free (877) 688-3328 to register for our online Credit Counseling Service, available 24/7, followed by a consultation via telephone. Already Registered? Click here to sign in Not Registered Yet? Call (877) 688-3328 to register.	$50	$60
By Telephone Call toll-free (877) 688-3328 during our extended business hours to complete by phone	$50	$85
In Person/Live Call toll-free (877) 688-3328 to schedule an appointment during our extended business hours	$50	$85

Regardless of the method you choose to receive your budget briefing, here's what you can expect:

• You will be asked to provide information about your household income and expenses, from which we will establish a realistic budget.
• You will be asked to provide information about your current debt.
• You will be provided with personalized suggestions regarding your current financial situation, including your options for dealing with debt and establishing a practical budget.
• You will be provided a Certificate of Completion for you to deliver to your legal counsel.

^{*Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services. Fees are subject to change without notice. Services provided without regard to client’s ability to pay.}