Bankruptcy or ?

The Federal government has passed a bankruptcy reform act called The Bankruptcy Abuse Prevention & Consumer Protection Act of 2005. The new Bankruptcy Reform Act has tightened the standards making it more difficult to discharge debt. 

A few of the key standards include:
  • Requires mandatory financial counseling prior to filing bankruptcy
  • Requires an instructional course concerning personal financial management prior to receiving a bankruptcy discharge
  • Requires a “means test” to determine if you have enough income to pay back at least a portion of the debt
If you are worried about bankruptcy, we can help.  As a  member of ACMG, you can take advantage of the GreenPath program, a free financial education and counseling program.  Call a GreenPath counselor at 1-877-337-3399 and receive a free, objective and comprehensive financial evaluation.  GreenPath Debt Solutions is a strategic partner of ACMG and can be reached Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web.


Everyone here at ACMG wants to ensure that you fully understand the alternatives to and the consequences of filing for bankruptcy.  GreenPath provides the financial education and training necessary to learn the skills and tools to avoid financial difficulties.

Contact a Counselor 

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Main Branch: ACMG Federal Credit Union
1753 Milton Ave. Solvay NY 13209
(315) 488-4433 or (800) 634-9239

Federally Insured by NCUA