Such a great article on the failure and total waste of time that pre-bankruptcy credit counseling is and always was under the 2005 bankruptcy reform farce.

Many credit counseling groups supported the mandate of pre-bankruptcy credit counseling because they incorrectly thought it would funnel income generating customers into their debt management programs. It was the wrong assumption then and it is still the wrong mandate to continue.

Counseling seen as little help in bankruptcies Columbus Dispatch, OH - 4 hours ago Transferring credit-card debt to a card with a zero percent interest rate offer, for example, is nearly impossible for someone with delinquent payments. …

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Source: Counseling seen as little help in bankruptcies – Columbus Dispatch