Yes. The law requires that you must complete a pre discharge bankruptcy course before you may be granted a discharge. This is a mandatory course.
Yes. Our bankruptcy course is approved to satisfy the requirements for both chapter 7 and chapter 13 bankruptcy cases.
To register for the second bankruptcy course, please visit: https://www.debtoredu.com/post-bankruptcy-course.aspx.
No. The course is available to take 24 hours a day, 7 days a week, and 365 days a year. You may register for the course and take it at any time.
The second bankruptcy course should be taken after your bankruptcy case is filed. This is the second bankruptcy course that must be taken prior to...
You need the following information to register for the second bankruptcy course: first name, last name, last 4 digits of your social security numbe...
Your bankruptcy case number (e.g., 20-12345) can be found on your bankruptcy paperwork. After you file a bankruptcy case, the court usually sends y...
Yes. You and your spouse can register and take the second bankruptcy course together or separately.
Yes. Please send an email to support@debtoredu.com with your request. Please include your first name, last name, last 4 digits of your social secur...
Yes. You are not required to complete both courses with the same company. We encourage you to take the second bankruptcy course with us as we provi...
What Is Bankruptcy Debtor Education? In order to be discharged from Chapter 7 or Chapter 13 bankruptcy, you must complete a Pre-Discharge Debtor Education course. The purpose of this bankruptcy course is to help you remain financially secure and use credit wisely so you don’t end up in bankruptcy again.
It includes the requirement that all Chapter 7 or 13 bankruptcy petitioners complete approved credit counseling and provide to the court a certificate of completion from a U.S. Trustee-approved, nonprofit credit counseling agency. The law also requires all consumers who file for bankruptcy to successfully complete two bankruptcy courses prior to having debts discharged.
When you complete the debtor education course, you must file a form called Debtor’s Certification of Completion of Postpetition Instructional Course Concerning Personal Financial Management (Official Form 23) with the court.
Bankruptcy Education Deadlines. Those who file for Chapter 7 bankruptcy protection have 60 days after the first date set for the meeting of creditors to complete the debtor education course and file the certification of completion with the court.
With Pre-file Credit Counseling, you’ll start online, then receive a personal counseling session by telephone to discuss the details of your current financial situation with a Certified Financial Counselor. Your counselor will help you build an accurate picture of your current finances, then give specific advice on actions you can take to improve it. You’ll also discuss short- and long-term financial goals and determine if there are any alternatives to bankruptcy. The counselor will explain consequences of bankruptcy and actions you can take to get back on sound footing after a bankruptcy.
Those who file for Chapter 13 bankruptcy must complete the class and file the certification of completion before your last repayment plan payment or before you file a motion for discharge. If you miss these deadlines , the court will dismiss your case. To reopen it, you must repay the bankruptcy filing fee.
Exceptions include: being on active duty in a military combat zone. a disability that prevents you from taking the course. no court-approved course providers are available in your area. a course isn’t available in a language you understand.
HCCI’s Tenant Landlord Counseling for both renters and landlords will be available to communities that provide grant funding for this unique service that counsels about 2,400 (mostly renters) each year
HCCI is an United Way Funded Partner. Credibility is important to us. HCCI is HUD approved, accredited by the Better Business Bureau, licensed and regulated by the Office of the State Bank Commissioner in Kansas License# CSO.0000003, accredited by the Council on Accreditation, a National Foundation for Credit Counseling Member Agency, ...
If you do not receive your certificate within three business days of the completion of your appointment, please call our office at 316-265-2000. You will need this certificate should you decide to file for bankruptcy.
(CCCS) is an approved counseling and education agency for the U.S. Trustee program to issue certificates for both bankruptcy pre-filing counseling and pre-discharge debtor education. We are approved to issue certificates in compliance with the bankruptcy code.
If you have already filed your bankruptcy and have a case number then you are ready for the pre-discharge debtor education course. This course is a mandatory minimum two hour class and must be completed before your bankruptcy can be discharged.
CCCS waives fees for those whose household meets the low-income guidelines as established by the Department of Health and Human Services (income at or below 150% of the Federal Poverty guidelines for household size). CCCS is obligated to provide a certificate for you promptly upon the completion of counseling services.
The EOUST has reviewed only the agency’s instructional services in regards to bankruptcy and its services as a credit counseling agency pursuant to 11 U.S.C. 111 (c) and has not reviewed or approved any other services that this agency provides to debtors.
Teachers give a minimum of two hours of instruction on how to manage money, repair credit and plan successful financial strategies after bankruptcy.
When you complete the first course – pre-filing bankruptcy credit counseling – you receive a certificate that you, or your attorney, must include when filing for bankruptcy. The same situation exists after completing the second course – pre-discharge debtor education, which is sometimes referred to as Financial Management.
Pre-file bankruptcy credit counseling must take place 180 days before you file for bankruptcy. Pre-discharge debtor education must be completed within 60 days after your first meeting with creditors for Chapter 7 bankruptcy. For Chapter 13 bankruptcy, you must complete the course before making your final payment.
It prevents creditors or collection agencies from collecting debts through legal action or communication, such as phone calls, letters or personal contact. Though the goal is clear, the path to a discharge is often complex and it behooves petitioners to understand the bankruptcy process and its potential pitfalls.
Though bankruptcy discharges clear away debt, their terms are strict and require that petitioners follow court orders.
Bankruptcy petitioners all have one goal: getting out of debt as quickly as possible. That objective is reached through discharge, a court order that releases a debtor from obligations to repay specific unsecured debts. It prevents creditors or collection agencies from collecting debts through legal action or communication, such as phone calls, ...
If you filed a Chapter 7 bankruptcy, you’ll have 45 days to file the completion certificate after you finish the course.
Under the 2005 amendments to the Bankruptcy Code; if you filed for a Chapter 7 or Chapter 13 bankruptcy, a debtor education course is required prior to your application for discharge. In this course you will learn the fundamentals to effectively manage your finances and take charge of your personal financial affairs.
o Second Bankruptcy Course o Post-Bankruptcy Filing Course o Pre-Discharge Course o Debtor Education Course o Post-Bankruptcy Counseling o Personal Financial Management Course o Post Filing Credit Counseling Course
At the conclusion of this course, participants will be better able to o Understand how to create budgets and forecasts to better manage their finances o Set long and short term financial goals o Understand how to manage credit and the impact of credit on their financial future o To cope with unexpected financial events o Understand the various consumer protection laws and the agencies involved.
o Delivered in an entertaining video format o Tailored to the adult learner o Prompt delivery of your Certificate of completion o Fantastic customer service team o Affordable under any budget