Credit Counseling | Repayment Plan | Louisville, KY

Find out how you can stop it

Learn about your options

Learn about the repayment plan

Schedule your appointment

Get access to a wealth of information

Serving the Western District of Kentucky


Marc Levy Bankruptcy Attorney - Logo

Let Over 35 Years of Experience Work for You

Credit counseling Credit counseling


Before you can file for bankruptcy under either Chapter 7 or Chapter 13, you must complete credit counseling with an agency approved by the United States Trustee's office. (To find an approved agency in your area, go to the Trustee's website,, and click "Credit Counseling and Debtor Education".) We normally refer our clients to Debt Education and Certification Foundation (DECAF)

Counseling is required even if it's obvious that a repayment plan isn't feasible or you are facing debts that you find unfair and don't want to pay. You are required only to participate, not to go along with any repayment plan the agency proposes. However, if the agency does come up with a repayment plan, you will have to submit to the Court, along with a certificate showing that you completed the counseling before you can file for bankruptcy.

Marc Levy opened his practice in 1980. He brings you over 35 years of experience.

The purpose of this counseling is to give you an idea of whether you need to file for bankruptcy or whether an informal repayment plan would get you back on your economic feet.

Call Marc Levy for a FREE initial consultation


Completing credit counseling

Is repayment right for you?

Materials on this website are for informational purposes only. These materials do not constitute legal advice, should not be considered as legal authority, and do not create an attorney-client relationship. You should not act or rely upon these materials without seeking professional counsel. Sending e-mail also does not establish an attorney-client relationship. An attorney-client relationship can only be established by mutual written consent with an attorney. Unless and until an attorney-client relationship is established, e-mail and other communications sent may not be privileged.

Legal disclaimer