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What Law Requires Debtors to Get Counseling Before Filing for Bankruptcy? Credit Card Accountability and Disclosure Act of 2009

Problemas

What law requires debtors to get counseling before filing for bankruptcy? Credit Card Accountability and Disclosure Act of 2009 Preservation of Consumers Claims and Defenses Ruling Bankruptcy Abuse Prevention and Consumer Protection Act Fair Debt Collection Practices Act

Roztwór

Geraldine professionell · Tutor durante 6 años
Weryfikacja ekspertów
4.1 (186 Votos)

Respuesta

Bankruptcy Abuse Prevention and Consumer Protection Act

Explicación

## Step 1The question is asking for the specific law that mandates debtors to seek counseling before they can file for bankruptcy. This is a question about U.S. law, specifically laws related to bankruptcy and consumer protection.## Step 2The options provided are:1. Credit Card Accountability and Disclosure Act of 20092. Preservation of Consumers Claims and Defenses Ruling3. Bankruptcy Abuse Prevention and Consumer Protection Act4. Fair Debt Collection Practices Act## Step 3Among these options, the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) is the law that requires debtors to seek counseling before filing for bankruptcy. This act was passed in 2005 and it mandates that individuals must complete a credit counseling course from an approved agency within 180 days before they can file for bankruptcy.