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The pre-filing credit counseling course takes approximately 60-90 minutes to complete. The post-filing debtor education course takes a minimum of 2 hours to complete (by law).
We learned how to start our financial freedom with Evergreen Financial Counseling. It was a difficult decision for us to decide to file for bankruptcy. We did not want to be known as financial failures.
Our credit counseling and debtor education courses provide a fresh view of all the financial options and resources available to you. Get started today. Finding the right person to discuss sensitive financial issues can be overwhelming. Nothing helps to lessen the burden more than kindness and understanding.
How long is my certificate good for? The Pre-filing Credit Counseling certificate expires 6 months from the date counseling is completed. In most cases, the Pre-Discharge Debtor Education certificate must be presented to the court within a certain amount of time after you file your bankruptcy case.
When seeking credit counseling advice, a counseling session can take at least an hour or more. It all depends on your financial needs. A credit counselor will analyze your current financial situation, and supply the best debt solutions for managing your credit card debt. One option is a Debt Management Program. A credit counseling agency typically deals with unsecured debt. They do not handle any secured debt such as mortgages, car payments or utilities.
The best way to prepare for your session to receive credit counseling advice is to gather all of your financial information ahead of time. By preparing for your call , this will better assist your counselor during the intake process. At the end of the session, you will have a better handle on your personal financial situation and can then make an informed educated decision on the debt solutions that will work for you.
The Credit Counseling Course takes approximately 60 minutes online to complete. The Debtor Education Course takes a minimum of two hours to complete. It is required by program guidelines that you spend at least two hours to complete the Debtor Education Course.
The Credit Counseling Course is offered in English and Spanish only. The Debtor Education Course is offered in English and Spanish only.
The credit counseling course offered by Abacus has no impact on students' credit reports.
The pre-filing credit counseling course takes approximately 60-90 minutes to complete. The post-filing debtor education course takes a minimum of 2 hours to complete (by law).
No, your progress is saved as you proceed through each course. You can close your browser at any time, and return to the site later. When you log-on again, you will be taken back to the last page that you were on.
For both courses, immediately upon finishing the course, you will be provided with a link to your certificate, and you can print a copy. In case you don't have a printer, or just want to have a copy for your record, we also send your certificate to you by fax and/or email when you finish the course. You will be asked for an email address or fax number where your certificate should be sent, and you can provide your attorney's email address and fax if you are working with an attorney. We will deliver it to all of those places to ensure that you get it as quickly and easily as possible. If you do not have email or a fax number, we can send your certificate by mail upon request. Please note that for the credit counseling course, you are required to chat or speak with a credit counselor to complete your course.
The Pre-filing Credit Counseling certificate expires 6 months from the date counseling is completed .
Individuals filing bankruptcy must complete a course in credit counseling before filing, and must complete a course in debtor education after filing. These courses are also referred to as the pre-filing and post-filing courses. Abacus Credit Counseling is an approved credit counseling agency, and Sage Personal Finance is an approved debtor education provider.* Together, we offer a convenient and affordable solution for your bankruptcy courses.
Abacus is approved to provide the pre-filing credit counseling course in all states. Sage is approved to provide the post-filing debtor education course in all states.*. * Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services.