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1160 Pepsi Place, Suite 341, Charlottesville, Virginia 22901
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Credit Counseling in Virginia: A Required First Step Toward Debt Relief

Assisting clients by providing credit counseling recommendations

If you are thinking about filing for bankruptcy, you are required by federal law to seek consumer credit-counseling within 180 days of filing. Only a bankruptcy court-approved credit counseling agency may provide this service. At the Miller Law Group, P.C., we help you find a consumer credit counselor who assists you in identifying the causes of your debt and works with you to achieve comfortable and creative solutions to your existing financial troubles.

Why am I required to seek credit counseling?

The 2005 Bankruptcy Act requires individuals and businesses to get credit counseling before filing for bankruptcy. The counseling is intended to help you understand the reasons for your debt as well as present creative solutions to manage it now and in the future. Occasionally, it is even possible to avoid filing for Chapter 7 or Chapter 13 bankruptcy altogether if you and your credit counselor are able to reach a mutually agreeable solution with your creditors. Our clients from Albemarle County and surrounding counties have found credit counseling helped them understand what led to their financial trouble and find ways to repair their credit.

What happens during a credit counseling session?

During your strictly confidential credit counseling session, your individual certified consumer credit counselor reviews your current financial situation with you to come up with solutions to repair it. Credit counselors are experienced professionals who are trained and certified in:

  • Debt management
  • Collections
  • Consumer rights and responsibilities
  • Budgeting
  • Credit
  • Bankruptcy
  • Counseling

Your credit counselor helps you get a complete picture of your present finances. He or she is committed to working cooperatively and non-judgmentally with you to develop an effective plan that covers your monthly expenses and future payments to creditors.  Your credit counselor cannot, however, give you legal advice. That’s why it’s important to have skilled bankruptcy attorneys at your side throughout the credit counseling process to inform you about your options.  Our Charlottesville lawyers at the Miller Law Group, P.C. help you seek legal remedies for debt relief, including filing for bankruptcy, as you implement your credit counselor’s debt management strategies.

Contact us to discuss how we can help you with bankruptcy filing

Our attorneys with the Miller Law Group, P.C.  help you find a trusted court-approved credit counselor to begin the process of filing for bankruptcy. With more than 30 years of combined experience, we work hard to protect what’s important to our clients: their assets and their families. Call us locally at 434-202-5293 or contact us online today for your FREE APPOINTMENT. Our law firm is located behind the Senior Center in Charlottesville and is handicapped-accessible. Parking is available outside the door.

Serving the communities of central Virginia, including Albemarle, Augusta, Buckingham, Charlottesville, Culpeper, Fluvanna, Greene, Louisa, Madison, Orange, Harrisonburg, Staunton and Waynesboro