If you plan to file for bankruptcy, your Parker Colorado bankruptcy attorney will advise you that you are obligated to attend credit counseling classes before you do. He will help you find an accredited counselor who is licensed in the state of Colorado, to instruct you on how to handle your debt, and make out a budget that you can live with.
This kind of counseling with a certified advisor, well known to your Parker Colorado bankruptcy attorney, can also go a long way to improving your credit score.