Yes, you can still file for bankruptcy if you are in a credit counseling program. In fact, there are a few reasons why you might want to file for bankruptcy even if you are in a credit counseling program.

First, credit counseling programs typically only offer a temporary solution to your debt problems. They may help you to reduce your interest rates or consolidate your debt, but they will not eliminate your debt altogether. If you are struggling to make your monthly payments, bankruptcy may be a better option for you.

Second, bankruptcy can stop creditors from contacting you. If you are in a credit counseling program, your creditors may still be able to contact you to try to collect on your debt. Bankruptcy will put an end to this harassment.

Third, bankruptcy can give you a fresh start. If you are struggling with debt, bankruptcy can help you to get out of debt and start over financially.

And most importantly credit counseling cannot protect you from future lawsuits and, in fact, do not help or deal with lawsuits or garnishments at all.  Bankruptcy stops most lawsuits and garnishment permanently.

If you are considering filing for bankruptcy while you are in a credit counseling program, it is important to speak withBrown and Seelye to discuss your options. We can help you to determine if bankruptcy is the right option for you and can help you to file for bankruptcy correctly.