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Credit counseling is nothing to be afraid us. It usually
takes about an hour and can be done online. No in-person class
is required.
Credit counseling is a new requirement Congress enacted in 2005
during its perceived need for bankruptcy reform. The
certificate is required before we can file your case.
After your case is filed, you will go through this same online
process again -- only the second time it is called "Debtor
Education" and not "Credit Counseling." Again, it takes about
an hour or less. This second certificate is necessary for the
court to grant you a discharge of your debts.
It is important to get the second bankruptcy class completed
quickly after filing. If the bankruptcy court closes your case
without a discharge, you will have no further protection from
creditors. You then must pay a filing fee of $255 to have the
case re-opened soley for the purposes of filing your education
certificate.
We recommend using Start Fresh Today (below). However, any
of the counseling agencies approved by the U.S. Trustee's Office are
acceptable.
When you log into the website below, the company will notify us
electronically when your counseling is complete and send us your
certificate of completion. This company offer competitive fees
which are usually lower than other online counseling agencies.
Start Fresh Today
http://www.startfreshtoday.comWHEN REGISTERING
WITH START FRESH TODAY USE THIS ATTORNEY CODE:
WM4849
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