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Financial Relief Law Center, APC Financial Relief Law Center, APC
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For Our Clients

Initial Client Guide: General Insolvency and Bankruptcy Clients

The documentation we collect for general insolvency and bankruptcy is similar to loan modification and workout agreements, and quite frequently, our clients request our services for both to enable them to obtain a fresh start. Bankruptcy creates something called an automatic stay in most scenarios that enables us time within the bankruptcy case to work on the loan modification and loan workout.

1. Credit Counseling

The first step is to take credit counseling which should take between one and two hours and will generate a certificate that we need to file with your bankruptcy paperwork.
The Lawcenter has accounts with the following companies. Please use the attorney code both on the first and second courses if you use these companies:

​Abacus Credit Counseling

  • Use Attorney Code: ACC97854

Access Counseling Inc.

  • Use Attorney Code: AW22373

Allen Credit & Debt Counseling Agency

  • Use Attorney Code: FR19775

BothCourses.com

  • Use Attorney Code AW546
  • Online Courses (Same fees for individual or joint filers)
  • $ 14.99 for the Credit Counseling Course (No Additional cost for Joint Filers)
  • $ 7.99 for the Debtor Education Course
  • Telephonic Courses
  • $ 20.00 for the Credit Counseling (Additional $10 for Joint Filers)
  • $ 20.00 for the Debtor Education

CC Advising - 1st Pre-Filing Credit Counseling Course.

  • CC Advising offers the first course but you need to use a different company for your second course after filing

Cricket Debt Counseling

  • Use Attorney Code 214970

DebtHelper.com

  • Use Attorney Code: CA4023
  • $24 for the first course
  • $14 for the second (e-file is free)

Incharge

  • Attorney Code bwlawcenter

OnlineBankruptcyClass.com

  • No attorney code available

PreBK.com

  • Use Attorney Code: PBAW4398
  • First Course: $14.95
  • ​Second Course: $9.95

US DOJ Approved Credit Counseling Agencies

  • The US DOJ has a list of approved credit counseling agencies. We are not affiliated with any of these companies, nor do we approve or endorse any specific company. Use any company approved by the US DOJ that you would like to obtain your credit counseling and debtor education certificates. Your are not required to use the two options above, we merely provide you this information as a service and option for two approved companies you may use.

2. Document Transmission

Please transmit sensitive documents by email (as a PDF), fax, mail, or in person. Go to the Contact Us page if you need any help along the way.

Hear From Our Happy Clients

At Financial Relief Law Center, APC, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    "Amanda Billyard provided top-notch service."
    They are knowledgeable, thorough, understanding, and humble. Talk about client care...Amanda Billyard stuck with me until she got results.
    - Judith T.
    "I felt welcomed and reassured."
    Most other attorneys were fairly dismissive of my situation but Andy fought for me and literally saved me over $100,000 on a severely complicated case. Andy fought for me where others would have given up.
    - Nick S.
    "Knowledgeable, understanding, and most of all trustworthy!"
    Andy Warshaw is truly amazing! The Financial Relief Law Center will answer all of your questions and look out for what is best for YOU!
    - Nata E.
    "This firm is the best!"
    This firm is the best! The team is very efficient and the entire process took less than 3 months for my approval.
    image - Claudia G.
    "You won't be disappointed!"
    Having Amanda by my side in court took away a lot of my fear and thankfully my debt was discharged in August 2019.
    - Aubrey M.
    "Our case was resolved exactly as they said it would."
    Andy was very professional and supportive during our difficult bankruptcy process. The closing of our business was stressful enough but we were blessed to have Andy and his team prepare our bankruptcy.
    image - David N.

What Sets Us Apart?

As attorneys who routinely support consumers in potentially dire financial straits, we are empathetic and compassionate about what these problems mean to our clients. More importantly, we’ve grown to understand how important it is that we only deliver our best possible work so our clients’ chances of getting the best possible outcome are secured.

  • Constant Client Communication
    You won't be out of the loop! We make sure all of our clients are up-to-date with the status of their case.
  • Solutions Fit for Your Unique Case
    No two individuals, or their cases, are ever identical. We seek to provide viable solutions that your unique case deserves.
  • 30+ Years of Combined Legal Experience
    Our team of attorneys has extensive knowledge of bankruptcy with over three decades of combined experience between them.