Pre-Bankruptcy Counseling

I just recently came across a new one, or at least new to me. 

DebtorEdU.com

I like this one so far because of the price:  $9.95 per household.  For both the Pre-Filing Bankruptcy Credit Counseling and for the Post-Filing Debtor Education Course which is also called by the US Trustee’s Office a course in financial management. 

While it’s an insult to most of us, that we should have to take a course in financial management after Wall Street’s greedy bankers duped the Real Estate Industry into helping them tank the entire world’s economy, it’s still a requirement at this time.  You cannot get a Bankruptcy Discharge without it.

Prior to filing your bankruptcy, you must do a Pre-Filing Credit Counseling course and receive a certificate at the end of the counseling and you must do this prior to filing your case.  If you are under exigent circumstances and you do not have the time to complete the pre-filing counseling, you may petition the Court by filing a request to allow the filing of your bankruptcy petition to move forward and then you may be given by the court, some extra time to complete it.  However, if you file it without the extra paperwork or motion to extend the time to file the certificate, then your case will immediately be dismissed and all your money tossed out the window.  Besides, it only takes about 30 to 45 minutes to do it.  I have people do it in my office while I am typing their bankruptcy petition which in most cases will take at least 2 hours minimum anyway.  There’s really no excuse to not get this done prior to filing your bankruptcy. 

Post Filing Debtor Education Course or Financial Management Course Certificate

Prior to attending your bankruptcy hearing, y0u must complete the Debtor Education Course.  The Debtor Education Course or Financial Management Course is the true class or education course that you have to take.  Prior to filing you have counseling, which is designed to see if you can avoid a bankruptcy in the first place.  Behind the Education Course is the purpose to help you avoid ever filing another bankruptcy again.  If anything, this course should be required when you’re in college before they give you a student visa card. 

Cheap Pre-Bankruptcy Credit Counseling

Pre-Bankruptcy Credit Counseling

Before you can file your case, you must submit yourself to credit counseling. It’s called Pre-Bankruptcy Credit Counseling or Pre-Filing Credit Counseling.

Most people do it online. I’ve seen companies that charge $75 per couple or $50 per person and then recently I saw these two. They’re my current favorites.

IF YOU MUST FILE RIGHT NOW! Use this one!
For only $25 per case AccessCounseling.com where your advantage is that you can get someone on the phone or chat if you need to. The turn around is quick and reliable. My law firm code is 35789234.

For only $16 per case Urgent Credit Counseling which is also reliable and quick. This outfit doesn’t use law firm codes but instead wants you to enter my email AttorneyDavidNelson@gmail.com and my fax 858 228 9763.

NEWS FLASH
This one is only $5 but I haven’t had a client who used them yet.
Pre-Filing Bankruptcy Credit Counseling for $5 or possibly as low as $0.
ONLY If you have some extra time before your case is filed, use this one.

Pre-Bankruptcy Credit Counseling

Before you can file your case, you must submit yourself to credit counseling. It’s called Pre-Bankruptcy Credit Counseling or Pre-Filing Credit Counseling.  Most people do it online. I’ve seen companies that charge $75 per couple or $50 per person.  However, these are my current favorites.

WARNING: 

IF YOU ARE MARRIED, YOU MUST BOTH OF YOU DO THE CREDIT COUNSELING TOGETHER.  IF YOU DO IT ONLINE, YOU MUST STILL DO THE COUNSELING ONLINE AND DO IT TOGETHER.  IF ONE OF YOU IS IN THE HOSPITAL, TAKE A LAPTOP TO THE HOSPITAL AND DO IT TOGETHER.  IF I LEARN THAT ONE OF YOU WAS NOT PRESENT FOR THE CREDIT COUNSELING, THEN THE ONE WHO WAS NOT PRESENT WILL HAVE TO DO IT AGAIN.

For only $16 per case Urgent Credit Counseling which is also reliable and quick. This outfit doesn’t use law firm codes but instead wants you to enter my email AttorneyDavidNelson@gmail.com and my fax 858 228 9763.

This one is only $5 but is clunky to navigate and takes a long time to complete. Pre-Filing Bankruptcy Credit Counseling for $5 or possibly as low as $0ONLY If you have some extra time before your case is filed, can you use this one.

POST FILING PRE-HEARING DEBTOR EDUCATION COURSE

After you File Your Case you MUST also do a Debtor Education Course, If you filed individually then (CLICK HERE FOR THE $15 COURSE) use code 357892 and it MUST be done prior to the hearing date.

If you filed a joint bankruptcy case, use Urgent Credit Counseling for the $24 course which covers the two of you or $12 each.