“Nobody can go back and start a new beginning, but anyone can start today and make a new ending.”
– Maria Robinson

Expanation of Bankruptcy:

  • What you need to know about bankruptcy
  • What is bankruptcy?
  • An overview of the bankruptcy process
  • Who is involved when you file bankruptcy?
  • Terms you’ll need to know
  • What are the most common types of bankruptcies?
  • Means test: What is it and why do you need one?


If you choose to file:

  • If you choose to file bankruptcy
  • What debts can be discharged in bankruptcy?
  • Do you have to list all your assets in bankruptcy?


Questions about Bankruptcy:

  • Some frequently asked questions about bankruptcy
  • What effect does bankruptcy have on your credit report?
  • Can credit repair clinics help me?
  • Will you be able to get credit after bankruptcy?


What led you to consider bankruptcy?

  • What has led you to consider bankruptcy?





  • Housing, transportation, food and utilities
  • Health care, insurance, child care, bank charges and loans
  • Charitable deductions, education, job-related, pets
  • Personal, household, gifts, miscellaneous
  • Future changes income, review income


Assets form


Creditor form


Live well on less, options

  • Why do you need to make a budget?
  • Review your budget
  • Review your income and expenses
  • Make a list of your creditors
  • Learn to live well on less
  • What options do you have?
  • Options that are not recommended


Finishing this portion of Counseling in Motion BK edition

  • What’s next?