BEFORE FILING FOR BANKRUPTCY, YOU MUST TAKE A CREDIT COUNSELING COURSE
CREDIT COUNSELING COURSE:
Before you can file for bankruptcy, you must take a credit counseling course. If you and your spouse are filing together, then you can take the course together and save yourselves some time. You can find a credit counseling course online by searching on the US Department of Justice Website. The least expensive course that our firm has found is at www.ccadvising.com. This company charges $9.76 per person to take the course. Do not pay anything extra to fax the certificate. Our firm does not prefer to have the certificate faxed, and it is a waste of money and paper. All credit counseling companies email the certificates directly to the attorney after you have completed the course.
The credit counseling course takes about two hours to complete. If you find a course that is cheaper than CC Advising, then great! Just make sure that it is an accredited company. The US government maintains a list of accredited credit counseling at the US Department of Justice Website.
Credit counseling certificates are only valid for six months. We recommend to wait to take the course until you are sure that you will file your case within six months. Our turnaround time to file a case is about 10 days, and we can file emergency cases faster, for an additional fee.
DEBTOR EDUCATION COURSE
After your bankruptcy case is filed, you must complete a debtor education course. You will need your bankruptcy case number in order to take the course. If you filed your case jointly with your spouse, then you must both take the course together. To find a debtor education course, you can search the US Department of Justice Website. The best course that we have found is at www.beadviser.com. This company charges $9.76 per person.
Be sure to complete your debtor education course before your bankruptcy hearing (AKA, the "meeting of creditors"). This will help your attorney wrap up your case immediately after the hearing. If you fail to take your debtor education course within 60 days of your bankruptcy hearing, your case will be dismissed, and it will cost you more money to file a motion to reopen your case.
For any other questions regarding bankruptcy, credit counseling or debtor education, please contact our firm and come in for an initial consultation: (541) 513-7753. Free consultations may also be booked online by clicking here.