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Bankruptcy
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MMI Services that can help:

  • Bankruptcy Counseling

    We understand that each person that seeks assistance has a unique financial situation. During your pre-filing counseling session, a certified credit counselor will work one-on-one with you to develop a detailed personal financial assessment.

  • Bankruptcy Education

    The pre-discharge education program covers a variety of financial and budgeting topics, assuring you have the tools necessary to build a strong financial foundation.

Featured Bankruptcy Resources

Our Client Asked:

Dear Advice Team,

I filed Chapter 13 bankruptcy five years ago. I have since paid the required payments in my settlement which ended in September. I have tried to apply for a credit card and been turned down. I pay the balance on my wife’s credit card (I have a card with my name on it) and am the sole user of the card. My question is how long does it take for financial institutions to realize that I have learned my lesson? What can I do? -Jimmy

Jimmy,

A Chapter 13 bankruptcy will continue to negatively impact your “credit worthiness” for up to seven years. Lenders try to judge “credit worthiness” when deter...

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People experiencing financial difficulty have the right to have their debts reorganized or discharged. If you are thinking of filing consumer bankruptcy, in the process of filing bankruptcy, or are working to reestablish your financial foundation after filing bankruptcy, MMI offers information to help. Also learn how to meet the bankruptcy counseling and education requirements.


Popular Bankruptcy Resources


Articles
Alternatives to Filing for Bankruptcy

Many bankruptcies are caused by unforeseen emergencies. In fact, the most common catalysts to payment problems are medical expenses, layoffs, divorce, and overspending.

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Articles
Five Things You Need to Know About Bankruptcy

What types of bankruptcy are available to individuals? What are the steps to filing for personal bankruptcy? How long will bankruptcy affect me? How do I get a bankruptcy counseling certificate? How do I get a bankruptcy education certificate?

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Articles
How To: Get a Bankruptcy Counseling Certificate

Obtaining a bankruptcy counseling certificate is a prerequisite to filing for personal bankruptcy under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.

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Articles
How To: Get a Bankruptcy Education Certificate

If you are planning to file bankruptcy and have already obtained a bankruptcy-counseling certificate, you’ll need to get a bankruptcy education certificate.

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Articles
Glossary of Bankruptcy Terms

The process of filing for bankruptcy can be stressful and frustrating, and the terminology used may sound foreign and unfamiliar.

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How To: Prepare to File for Personal Bankruptcy

Before you file for personal bankruptcy, there are a few steps you are required to take.

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Articles
Types of Personal Bankruptcy

Generally, there are two personal bankruptcy chapters available to consumers: Chapter 7 and Chapter 13

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Articles
Personal Bankruptcy and Homeownership

If you own a home, and are considering filing for bankruptcy, you are probably wondering how bankruptcy will affect your homeownership.

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  The Department of Housing and Urban Development (HUD) sponsors housing counseling agencies to provide free or low cost advice on buying a home, renting, defaults, foreclosures, and credit issues.The Association of Independent Consumer Credit Counseling Agencies (AICCCA) is a national membership organization, established to promote quality and consistent delivery of credit counseling services.The National Foundation for Credit Counseling (NFCC) is the nation’s largest and longest serving national nonprofit credit counseling network.The Council on Accreditation (COA) partners with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.HOPE NOW is an alliance between counselors, mortgage companies, investors, and other mortgage market participants.