Are you unable to cope with your debt and wondering if bankruptcy is the right solution for you? Do you understand the different types of bankruptcy filings? Do you wonder what impact filing for bankruptcy will have on your credit?

These are important questions. For instance, a bankruptcy is reported to credit bureaus and may remain on your credit report up to 10 years after the filing of the case. A potential lender will view a bankruptcy as an extremely negative item on a consumer's credit report information..

Thus, bankruptcy should be considered a debt management step of absolutely last resort. ClearPoint Financial Solutions (formerly ByDesign Financial Solutions) has three services designed to help you make an informed decision. ClearPoint is approved to issue certificates [evidencing completion of a personal finance management course] in compliance with the Bankruptcy Code.* Clients may earn their certificate by taking our Pre-Bankruptcy Counseling via a webinar, workshop or one-on-one session.

1. Pre-Bankruptcy Counseling Webinar --$50**
2. Pre-Bankruptcy Counseling Workshop -- $60**
3. Pre-Bankruptcy One-on-One Counseling for Individual -- $90**
4. Pre-Bankruptcy One-on-One Counseling for Couple -- $120**

All of these services will enable you to earn a certificate that meets the requirements of the new bankruptcy reform legislation, BAPCPA, for pre-filing credit counseling.

The fastest way to get started is to complete the online intake.

In each of the pre-bankruptcy counseling services, a wide variety of topics will be covered, including:

• Summarizing and prioritizing your financial needs;
• Your options for getting out of debt;
• Your personal budget;
• Common types of bankruptcy;
• Alternatives to bankruptcy;
• Overview of bankruptcy;
• Consequences of bankruptcy:
• Credit after bankruptcy;
• Timeline for bankruptcy discharge;
• The role of an attorney;
• The role of the US Trustee;
• Developing an action plan;
• And much more!

Call ClearPoint (formerly ByDesign Financial Solutions) at 800-750-2227 to make an appointment with a professional credit counselor and learn more about your debt management options, including bankruptcy.

*Approval does not endorse or assure the quality of a provider's services.

**In those cases where it is established that clients are unable to afford the costs for bankruptcy counseling or bankruptcy-related financial education, the agency will, on a case-by-case basis, provide the services at a reduced price or, in extreme circumstances, for free.