The law requires consumers seeking bankruptcy protection to participate in credit and budget counseling before a bankruptcy can be filed.Congress added this provision to the law to ensure that consumers understand all of their options, and that they have the necessary knowledge and tools to develop a sound financial plan for their future.Hundreds of thousands of women have used these principles to transform their shredded marriages into intimate, passionate relationships, but too many are still stuck in ineffective marriage counseling.
Allen Credit and Debt Counseling Agency does not provide any debt management plans, debt repair services, or contact creditors on behalf of our clients; therefore, we have no impact on your credit reports.ACDCA does not offer additional services outside of credit counseling and debtor education counseling. Trustee Program does not operate in Alabama and North Carolina; in these states, Bankruptcy Administrators approve pre-bankruptcy credit counseling organizations and pre-discharge debtor education course providers.Marriage counselors will tell you that the only thing you have to do to change your spouse is get him to come in for a hundred sessions.But marriage counseling will never work because it focuses on someone you can't change: Your spouse.Dwelling on his faults is the opposite of what you did when you fell in love.
If you admired his ambition and now you think he works too much, guess what changed? Couples typically argue after a marriage counseling session because focusing on each other's faults makes you feel more resentful and hopeless.Trying and failing to get a man to talk about his feelings in marriage counseling may confirm a wife's worst fears that her husband is defective.But the real failure here is her lack of respect for the man he is -- the one she picked to marry.If you want more passion in your marriage, there's no stronger aphrodisiac than respect. It's the most expensive way to try to control your spouse Marriage counseling may seem like an important purchase, but it's actually a tragic waste because it diverts funds from something that really would help your marriage: Self-care.Self-care means not only getting enough rest and nourishment, it means that you make it a priority to do three pleasurable things every single day.It's only when you accept and celebrate your spouse as the quirky individual he is that you can both relax into being yourselves -- just like you did when you were dating. Men are not big, hairy women Many women believe that if their man would just share his feelings, they would finally have the connection they crave.