Brian J Sunderland Lawyer Oregon and Pre Bankruptcy Credit Counseling

Pre
Bankruptcy Credit Counseling - Brian J Sunderland Lawyer Oregon

If any of the following situations apply
to you, you will have to add time to the three-year, two-year or 240-day rules
for your debts to qualify for discharge in bankruptcy:

1. If you
submitted an Offer in Compromise, the 240-day rule is delayed by the period of
time from when the Offer is made until the IRS rejects it or you withdraw it,
plus 30 days.
2. If you obtained a Taxpayer Assistance Order from an IRS
Problems Resolution Officer preventing the IRS from collecting, the bankruptcy
court may require that you add the time collection was suspended to the
three-year, two-year and 240-day requirements.
3. If you filed a previous
bankruptcy case, all three time periods stopped running while you were in the
prior bankruptcy case. You must add the length of your case plus six months to
all three.

Pre-Bankruptcy Credit Counseling Required Credit and
Budget Counseling for Bankruptcy

Under the Bankruptcy Abuse
Prevention and Consumer Protection Act of 2005 individual debtors who file
bankruptcy on or after October 17, 2005, must undergo credit counseling within
six months before they file bankruptcy.

Consumer Credit and
Budget Counseling is aproved to issue certificates in compliance with the
Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s
services.

Brian J Sunderland