The Bankruptcy Reform Act of 2005 requires pre-filing bankruptcy counseling before a person can file for bankruptcy. To schedule an appointment, simply call our office at 255.5166 or 1.800.737.5485 to find a convenient time. We will send you an information packet that you will complete and bring with you to your appointment. During your bankruptcy counseling session, you will meet one-on-one with our certified financial counselor who will evaluate your financial situation and explain the bankruptcy process and the resulting impact of filing bankruptcy. Upon session completion, you will receive the necessary certificate to file bankruptcy. The counseling fee of $40.00 may be paid with cash, cashier's check, or money order.
We also offer the bankruptcy pre-discharge class required to complete bankruptcy proceedings. If you already have a case filing number and need this course, please click here to view our class schedule.
*Please note that this session is not intended to take the place of legal counsel. We are not authorized to give legal advice. All questions concerning your case and the steps you need to take should be directed to your attorney’s office.
"The clients who meet with OnTrack WNC counselors tend to be the most informed and least stressed of all my bankruptcy clientele. I cannot recommend OnTrack WNC highly enough."