how long does online credit counseling course take

How long does the credit counseling course take to complete?

The entire PLUS credit counseling process must be completed in a single session and will typically take you 20–30 minutes to complete.

How do I take a consumer credit counseling course?

To get your certification, you’ll need to complete a credit counseling session that typically lasts 60 to 90 minutes. Sometimes referred to as a budget briefing, your credit counseling certification session will include an analysis of your current finances, a review of the events that led you to consider bankruptcy, and a discussion of the alternatives to bankruptcy, such as debt …

How much does bankruptcy credit counseling cost?

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). Back to top Do I have to complete the course in one sitting? No, your …

How long is a pre-filing credit counseling certificate good for?

Course 1: Before Filing Credit Counseling Course. Get Started. Our online course will take you through all of the components of a typical credit counseling session. Upon completion of the bankruptcy counseling session, you will be issued a certificate of participation. This certificate will allow you to proceed with the bankruptcy process.

I am married, does my spouse have to complete the course as well?

If you and your spouse are filing jointly, you will both have to complete the courses. If you are unsure, please consult your lawyer or your bankruptcy court. Married couples filing jointly only pay one fee provided they can take the course together.

Do I have to take the course online?

No. Both the first and second courses may be taken by phone. First Course: To take the first course by phone, please call (800) 516-3834 to register. Once you complete the phone portion of the phone course, you will be forwarded to a live credit counselor to complete the course and receive your certificate.

What forms of payment do you accept?

Payments are accepted online or over the phone. We accept major credit cards, debit cards, and money orders (sent by mail). Sage Personal Finance also accepts ACH (electronic checks).

How long is the course?

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).

Do I have to complete the course in one sitting?

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.

How quickly can I receive a certificate of completion?

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.

How long is my certificate good for?

The Pre-filing Credit Counseling certificate expires 6 months from the date counseling is completed.

How much does it cost to take the first bankruptcy course?

This course is taken before you file for bankruptcy and the cost is $19.95 per household. If you need to register for the Second Bankruptcy Course, which is taken after you file for bankruptcy, please click here.

Does DebtorCC endorse credit counseling?

Approval does not endorse or assure the quality of a Provider's services. This course is available on the Internet 7 days a week, 24 hours a day, 365 days of the year.

Does bankruptcy affect credit score?

The completion of this credit counseling session will not negatively impact your credit rating. However your credit report or score may be negatively impacted by filing bankruptcy or choosing an alternative to bankruptcy that results in you making less than the contractual payments to your creditors.

How to get a refund from DebtorCC?

To obtain a full refund of fees paid to DebtorCC, you may send an email to [email protected] or call us at 1-800-610-3920. You may only request a refund after you have made payment and before a certificate of completion has been generated. The certificate generation date and time are stamped on the certificate.

What is the first bankruptcy course?

The first bankruptcy course is also known as the pre-filing bankruptcy credit counseling, bankruptcy credit counseling, pre-bankruptcy credit counseling or credit counseling certification. The law requires that you must receive credit counseling within ...

Do you have to take a pre-filing course before filing for bankruptcy?

Yes. The law requires that you must complete a pre-filing bankruptcy counseling course within the 180-day period before you file a bankruptcy case. This is a mandatory course.

What is debtor education?

The debtor education course provides the filer with financial management tools, such as tips for creating a budget and rebuilding credit after bankruptcy.

How many courses do you need to file for bankruptcy?

A person who files for bankruptcy must take two educational courses before receiving a bankruptcy discharge wiping out qualifying debt. Before you can file for Chapter 7 or Chapter 13 bankruptcy, you must consult with a nonprofit credit-counseling agency to see whether you can feasibly handle your debt load outside of bankruptcy, ...

What is a counseling agency?

The counseling agency usually prepares a budget based on your income and expenses, and then review your options for repaying the debt. In most cases, the agency confirms that you don't have any feasible options for dealing with the debt other than filing for bankruptcy.

How long does it take to get a credit counseling certificate?

You'll prove that you've taken the credit counseling course by filing the certificate of completion along with your bankruptcy paperwork (no later than 15 days after your bankruptcy filing date). You'll also receive a copy of any repayment plan you may have worked out with the agency.

What is the second course in bankruptcy?

The Second Course: Post-Bankruptcy Debtor Education. Bankruptcy filers must take a second course—called debtor education —after filing for bankruptcy. The debtor education course provides the filer with financial management tools, such as tips for creating a budget and rebuilding credit after bankruptcy.