Credit Counseling Before Bankruptcy

All debtors are required to engage in two credit counseling courses before filing bankruptcy and again before receiving a discharge for either Chapter 7 or Chapter 13. The credit counseling courses are designed to assist with seeing all of your debts, budgeting, and managing your money. If you are considering bankruptcy but wish to explore alternative methods of resolving your financial situation, you would be well-served to contact a non-profit credit counseling organization such as CCCS of Atlanta, now known as Credability, to see if you are able to settle your debts without bankruptcy.

Credit counseling can be completed through a short online session at the following website: The cost of each counseling session is $50 for a total of $100. We can assist you in completing the online counseling session in our offices.


Charles is absolutely a brilliant attorney! He is a critical thinker and determined problem solver. He is very accessible, even via text. If he is in court, his ability to multi-task, you can feel safe and secure in knowing he is handling any issues or concerns. I entrust him with my future, he is a uniquely talented attorney who always challenges himself to achieve the absolute best outcome for his clients.



I was very satisfied with Mr. Clapp services. He is a man of his word and did everything he told me he would. I would highly recommend him.



I came to Mr. Clapp by referral with a complicated case involving both personal and business debts that were out of control. Mr. Clapp evaluated the situation and gave me options that I was not even aware of. He knows his stuff, executed flawlessly, and I have been able to start over. I highly recommend Charles Clapp if you have debt or bankruptcy issues. Listen to his advice, he knows his stuff. I consulted with several other bankruptcy attorneys prior to retaining Mr. Clapp, and they did not have the same breadth of knowledge that Mr. Clapp brought to my case.



I selected Charles Clapp to handle my bankruptcy based on his already positive reviews and I am glad that I did! He was very accommodating to my schedule and made my negative life experience positive. I was actually very surprised how easy he made the process. Life happens and it’s great to be represented by someone that understand that!!! Stop your attorney search with Charles Clapp!!!