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Financial Relief Law Center, APC Financial Relief Law Center, APC
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Bankruptcy Clients

For Bankruptcy Clients

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 for credit counseling with the following companies. You may also use most of these companies for your second course in Financial Management or Debtor Education: 

Abacus Credit Counseling
  • Use Attorney Code: ACC97854
  • Use Attorney Code: CA4023
  • $24 for the first course
  • $14 for the second (e-file is free)
  • Use Attorney Code: PBAW4398
  • First Course: $14.95
  • ​Second Course: $9.95
  • Use Attorney Code 214970
  • Here is a pamphlet from Cricket with Client Instructions
  • Attorney Code bwlawcenter
  • Use Attorney Code: AW22373
  • Use Attorney Code 7144423315
  • CC Advising offers the first course but you need to use a different company for your second course after filing
  • Use Attorney Code: FR19775
  • No attorney code available
  • 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.

3. Meeting of Creditors

As a debtor, you will need to attend a meeting of creditors. Contact our firm for information about what to expect.

4. Course in Financial Management or Debtor Education

After filing, make sure to return to : Access Counseling Inc. and to use Attorney Code: AW22373 (or whatever company you used to take credit counseling) to take your second course that is usually called Debtor Education. Make sure your attorney gets a copy of the certificate and that Form 23 is signed and filed before your case closes so that you are able to obtain a discharge.
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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.

    "Everything that was promised was delivered as such in a prompt and professional manner."
    Great customer service backed by solid talent is a combination sometimes tough to find. If you want a solution to your situation from someone who cares and will act promptly to resolve your issues, Andy truly is your guy.
    - Stephen B.
    "Great loan modification service!"
    They all know what they are doing and they are very professional and very accurate! I saved almost $600 a month on my loan!
    - Max S.
    "Very grateful. Specialized professionals. Excellent care."
    Bankruptcy was a "daunting time" for me... It felt like as shroud of clouds was lingering in the upper regions of my mind. However, that quickly evaporated when Andy Warshaw came into the scene!
    - Javier A.
    "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.
    "My attorney Amanda and Victor are simply The BEST!!!"
    My case was handled in a professional manner, no judgment, and they were so FAST!!!
    image - Virginia J.
    "Amanda Billyard was a very professional, prompt, & an amazing attorney."
    She didn’t hesitate to jump right in and help us with all the harassing phone calls and all the tedious things that needed to get done. We highly recommend Financial Relief Law Center.
    - Kristina P.

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.