Before filing for Chapter 7 bankruptcy, an individual must first seek credit counseling from an agency approved by the U.S. Trustee’s office for their region within a 180-day period before filing. The goal of credit counseling is to provide a sense of whether a person really needs to file for bankruptcy or if an informal repayment plan will suffice to get a person back on sound financial footing. For those who are deep in debt, credit counseling is a good way to solve bigger-picture financial questions while managing day-to-day cash flow challenges. To schedule a free consultation to review whether or not bankruptcy is right for you, please call Pruitt Law Offices S.C. at 262-633-8301 to schedule a free consultation. We are located at 731 Main Street in Racine. We are your partners for professional service.