At Richard Hackerman, we offer counseling options and tell you the causes of bankruptcy, to help those either beginning the bankruptcy process or wrapping it up. Our certified instructors have completed the certification program and are required to continue their education yearly to maintain this highly regarded certification. Our agency is a quality credit counseling and debtor education, and our agency complies with those standards. Consult us today at these numbers 410-243-8800 and 888-243-5500. You can also reach us on our website at

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