Your case number and district are required to sign up for the second bankruptcy course. This information is also printed on your certificate, so you will want to make sure you have the correct information before you register. You will not receive your case number until AFTER your bankruptcy has been filed.
A: Access Counseling Inc. is authorized to offer pre-filing bankruptcy classes and certificates in all the states except North Carolina. BKClass Inc. can offer the post-filing debtor education bankruptcy classes and certificates in all states except Alabama and North Carolina.
There are no certificates that match your search criteria. First and second bankruptcy courses that are affordable, convenient and simple to complete. The Credit Counseling Course is only $19.95 per household. Impeccable US based customer service that values your time. Take the course 24/7 from any of your devices.
The course is taken after your bankruptcy has been filed but before you receive your discharge. The financial strategies you learn will help ensure your success after your bankruptcy is over.
How long do I have to take it after filing for bankruptcy? A: In a chapter 7 case, you must take the debtor education post-bankruptcy class (1) after you file your petition for bankruptcy and (2) within 45 days after your first meeting date with your creditors and bankruptcy trustee.
A: The pre-filing bankruptcy credit counseling course takes a minimum of 60 minutes to complete. The pre-discharge debtor education course takes a minimum of 2 hours. Theses time requirements conform to the EOUST and the Alabama Bankruptcy Administrators' program guidelines.
A: The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 includes two provisions mandating financial counseling and education: Before filing for bankruptcy, consumers are required to have a briefing on the alternatives to bankruptcy; and before receiving a bankruptcy discharge a debtor is required to complete an instructional course concerning personal financial management. These provisions were included to provide debtors in bankruptcy with the skills and tools needed to potentially avoid future financial problems.
The debtor education course is also known as the personal financial management course or the post-filing debtor education course, and completion of this course is required ...
The pre-filing bankruptcy credit counseling course is also known as a pre-petition counseling session or a budget briefing. You will be required to provide a certificate of completion showing you have completed the bankruptcy credit counseling course prior ...
A: You can begin the courses online by visiting our home page www.BKClass.com or by calling 1- (800)-BK-CLASS.
A: Yes, the pre-filing bankruptcy credit counseling certificate expires 180 date from the date if is issued by Access. The pre-discharge debtor education certificate issued by BKClass Inc. is valid until your court ordered completion date for discharge. Your bankruptcy attorney may be able to provide additional clarification regarding these requirements.
is approved to issue certificates evidencing completion of a pre-filing bankruptcy credit counseling session in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a provider’s services. We are approved to provide this bankruptcy course in all US States and Territories.
There are no certificates that match your search criteria.
The United States Bankruptcy Administrator Program, a bankruptcy estate administration program established by the federal judiciary, presently serves only the six federal judicial districts in the States of Alabama and North Carolina. The bankruptcy administrator program is separate from the U.S.
In Alabama and North Carolina, the bankruptcy administrator approves credit counseling and debtor education providers. Lists of approved providers for the six judicial districts in Alabama and North Carolina are maintained by the bankruptcy administrator for that district or bankruptcy court.
Credit counseling must take place before you file for bankruptcy; debtor education must take place after you file. Certificate of completion for both credit counseling and debtor education are required but before the filer’s debts can be discharged. Only credit counseling organizations and debtor education course providers ...
The First Bankruptcy Course is only $19.95 per household. Married couples can take the bankruptcy credit counseling together or separately. The first bankruptcy course is available 24 hours a day, 7 days a week. You can take the course at your own convenience and at your own pace.
This is a 1-hour timed course , as required by law. You are not required to complete the pre-filing bankruptcy credit counseling in one sitting. If you log off mid-course, upon signing back in, it will resume from where you left off.
First Bankruptcy Course. The course is easy to navigate and very informative. Remember, this is a no-fail course – you cannot fail the course. Time. This is a 1-hour timed course, as required by law.
This course is required before filing for bankruptcy and is approved by the U.S. Trustee's Office and Bankruptcy Administrator. We have designed the first bankruptcy course and website with the user in mind: you will find that it is very simple to use and easy to navigate. Our audio feature adds an element of fun and interaction to the course. The course also includes interactive charts that will help you plan a budget and visualize where you're exceeding on your spending.
The Second Bankruptcy Course is only $14.95. Married couples that have filed a joint bankruptcy can take pre-discharge bankruptcy course together or separately. The second bankruptcy course is available 24 hours a day, 7 days a week. You can take the course at your own convenience and at your own pace.
First and second bankruptcy courses that are affordable, convenient and simple to complete. The Debtor Education Course is Only $14.95 per household. This is the 2-hour timed Debtor Education Course as required by law. Take the course 24/7 from any computer.
This is a 2 hour timed course, as required by law. You are not required to complete the debtor education course in one sitting. If you log off mid-course, upon signing back in, it will resume from where you left off.
We have designed the US Trustee and Bankruptcy Administrator approved second bankruptcy course and website with the user in mind: you will find that it is very simple to use and easy to navigate. The course is available in written, audio, and video formats for your convenience. Our customer service team prides itself on providing excellent support to answer any questions you may have.
The second course is required as part of your bankruptcy. The purpose of debtor education is to provide you with the knowledge and skills to take control of your financial future. The course is taken after your bankruptcy has been filed but before you receive your discharge.
Your case number and district are required to sign up for the second bankruptcy course. This information is also printed on your certificate, so you will want to make sure you have the correct information before you register. You will not receive your case number until AFTER your bankruptcy has been filed. If your attorney has not yet filed your paperwork, no case number will be assigned yet. There are 3 main ways to get this information:
There are 3 main ways to get this information: Call VCIS (Voice Case Information System) at: (866) 222-8029 (automated line) Ask your attorney. Ask the bankruptcy court.
The course is required to take a MINIMUM of 120 minutes (2 hours) to complete. The course is timed, and you cannot finish early. Take your time and spend the full two hours on the course material. All debtor education providers have the same time requirement.
The second course is a financial management session, which is more educational.
Yes, even if you were referred to a different provider, the certificate you receive after completing the BE Adviser debtor education course is accepted everywhere, by all attorneys and by all bankruptcy courts.
Bankruptcy is an unusual area of law because it's essentially a qualification process. The laws provide instructions for completing a 50- to 60-page bankruptcy petition, and because all rules apply in every case, you can't skip a step.
When you file for bankruptcy, you'll complete two courses—a credit counseling course and a debtor education course. If you're unsure which to take or how to find approved providers, these basics will help:
Chapter 13 filers must file the completion certificate before making the last Chapter 13 repayment plan payment.
If your household income is below 150% of the poverty line, you'll be eligible for a fee waiver. Otherwise, $50 or less is reasonable.
If you don't complete the debtor education course within the specified deadlines, the court will typically close your bankruptcy case without a discharge. This means that if you want to wipe out your debts, you will need to file a motion, pay the necessary fees, and ask the court to reopen your case so that you can file ...
Regardless of the method of instruction, the course will typically last at least two hours. If you attend the course in person, an instructor will provide you with course materials and teach you in a class setting.
But the new rules published by the Executive Office for U.S. Trustees (EOUST) state that $50 or less is a reasonable fee. If a debtor education provider wants to charge more than $50, it has to get approval from the EOUST. (Learn more about the new debtor education rules .) Fee waivers.
To object to the debtor's discharge, a creditor must file a complaint in the bankruptcy court before the deadline set out in the notice. Filing a complaint starts a lawsuit referred to in bankruptcy as an "adversary proceeding.".
The bankruptcy discharge varies depending on the type of case a debtor files: chapter 7, 11, 12, or 13. Bankruptcy Basics attempts to answer some basic questions about the discharge available to individual debtors under all four chapters including:
Unless there is litigation involving objections to the discharge, the debtor will usually automatically receive a discharge. The Federal Rules of Bankruptcy Procedure provide for the clerk of the bankruptcy court to mail a copy of the order of discharge to all creditors, the U.S. trustee, the trustee in the case, and the trustee's attorney, if any. The debtor and the debtor's attorney also receive copies of the discharge order. The notice, which is simply a copy of the final order of discharge, is not specific as to those debts determined by the court to be non-dischargeable, i.e., not covered by the discharge. The notice informs creditors generally that the debts owed to them have been discharged and that they should not attempt any further collection. They are cautioned in the notice that continuing collection efforts could subject them to punishment for contempt. Any inadvertent failure on the part of the clerk to send the debtor or any creditor a copy of the discharge order promptly within the time required by the rules does not affect the validity of the order granting the discharge.
In chapter 7 cases, the debtor does not have an absolute right to a discharge. An objection to the debtor's discharge may be filed by a creditor, by the trustee in the case, or by the U.S. trustee. Creditors receive a notice shortly after the case is filed that sets forth much important information, including the deadline for objecting to the discharge. To object to the debtor's discharge, a creditor must file a complaint in the bankruptcy court before the deadline set out in the notice. Filing a complaint starts a lawsuit referred to in bankruptcy as an "adversary proceeding."
The court will deny a discharge in a later chapter 7 case if the debtor received a dis charge under chapter 7 or chapter 11 in a case filed within eight years before the second petition is filed. The court will also deny a chapter 7 discharge if the debtor previously received a discharge in a chapter 12 or chapter 13 case filed within six years before the date of the filing of the second case unless (1) the debtor paid all "allowed unsecured" claims in the earlier case in full, or (2) the debtor made payments under the plan in the earlier case totaling at least 70 percent of the allowed unsecured claims and the debtor's plan was proposed in good faith and the payments represented the debtor's best effort. A debtor is ineligible for discharge under chapter 13 if he or she received a prior discharge in a chapter 7, 11, or 12 case filed four years before the current case or in a chapter 13 case filed two years before the current case.
If a creditor attempts collection efforts on a discharged debt, the debtor can file a motion with the court, reporting the action and asking that the case be reopened to address the matter . The bankruptcy court will often do so to ensure that the discharge is not violated. The discharge constitutes a permanent statutory injunction prohibiting creditors from taking any action, including the filing of a lawsuit, designed to collect a discharged debt. A creditor can be sanctioned by the court for violating the discharge injunction. The normal sanction for violating the discharge injunction is civil contempt, which is often punishable by a fine.
A slightly broader discharge of debts is available to a debtor in a chapter 13 case than in a chapter 7 case. Debts dischargeable in a chapter 13, but not in chapter 7, include debts for willful and malicious injury to property, debts incurred to pay non-dischargeable tax obligations, and debts arising from property settlements in divorce or separation proceedings. Although a chapter 13 debtor generally receives a discharge only after completing all payments required by the court-approved (i.e., "confirmed") repayment plan, there are some limited circumstances under which the debtor may request the court to grant a "hardship discharge" even though the debtor has failed to complete plan payments. Such a discharge is available only to a debtor whose failure to complete plan payments is due to circumstances beyond the debtor's control. The scope of a chapter 13 "hardship discharge" is similar to that in a chapter 7 case with regard to the types of debts that are excepted from the discharge. A hardship discharge also is available in chapter 12 if the failure to complete plan payments is due to "circumstances for which the debtor should not justly be held accountable."