The question as to whether bankruptcy is the right solution for your personal financial situation is very complex. There are many issues to be reviewed when determining the right solution to your debt problems. If you are considering bankruptcy, the trained professionals at ByDesign Financial Solutions™ can help.

NEW BANKRUPTCY LEGISLATION
Changes to the bankruptcy code, known as the as the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), went into effect on October 17, 2005. It is critical for you to understand these changes and their impact on your financial decisions.

ByDesign™ can assist you in meeting the BAPCPA requirements for Pre-Bankruptcy Counseling and for Pre-Discharge Debtor Education.

PRE-BANKRUPTCY COUNSELING SERVICES
ByDesign™ offers Pre-Bankruptcy Counseling to help you fully understand all of the options that are available to resolve your financial difficulties. This counseling, upon completion of which you will earn a certificate, is available through a webinar, a workshop or in person. Click here to learn more about your various options.

PRE-DISCHARGE DEBTOR EDUCATION
ByDesign™ offers Pre-Discharge Debtor certification through a workshop titled Personal Finance Management After Bankruptcy^SM. Please click here for full details. If you have already filed for bankruptcy, Personal Finance Management After Bankruptcy^SM will help you develop a plan for your financial future before your discharge.

BANKRUPTCY SERVICES ATTORNEY CONTACT
If you are an attorney practicing in California who would like to refer your clients to us for bankruptcy counseling and/or pre-discharge educational services, please click here.

For immediate access to printable referral slips, you may download an English PDF of the slip here or click here for a PDF of the referral information in Spanish.

Whatever your bankruptcy education and counseling needs, ByDesign™ is here to help.