credit counseling

New Credit Counseling Class Certificate Provider

February 21, 2012

Since the enactment of the Bankruptcy Abuse and Consumer Protection Act in 2005, bankruptcy filers have been forced to obtain a credit counseling certificate prior to filing their petitions with the U.S. Bankruptcy Court. It has been nearly seven years and a thousand clients later and I have yet to hear of anyone getting anything [...]

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Classes Before and After Filing

July 26, 2008

The article below is culled in large part from an article that can be found on the Federal Trade Commision web site, the link for which can be found on this blog.  The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 launched a new era: With limited exceptions, people who plan to file for bankruptcy protection must [...]

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Class Requirements for Bankruptcy

July 16, 2008

As you may be aware, the new bankruptcy laws require that you attend a credit counseling session and receive a certificate from an approved counselor prior to filing your case. The certificate of completion of the credit counseling session must be filed with your bankruptcy case. Therefore, your attorney  must a have a copy of [...]

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Credit Counseling Requirements

June 29, 2008

To qualify for bankruptcy, you must show that you received credit counseling from an approved provider within the 180 day period prior to the filing of your petition. Fortunately, this requirement can be met not only in person but by phone and even online. Once you complete the counseling, the agency will email or fax [...]

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