A person who files for bankruptcy must take two educational courses before receiving a bankruptcy discharge wiping out qualifying debt. Before you can file for Chapter 7 or Chapter 13 bankruptcy, you must consult with a nonprofit credit-counseling agency to see whether you can feasibly handle your debt load outside of bankruptcy, without adding to what you karacto.xyz: Cara O'neill, Attorney. This includes ANY and ALL Debt Management Services: Credit Counseling, Debt Management Plan Enrollment, Bill Paying, Budget Counseling and any service negotiating debts on behalf of a client or making payments on behalf of a client. Pre-Bankruptcy Counseling similarly requires Counselors to have a certification. Bankruptcy Credit Counseling Course for bankruptcy filers, karacto.xyz is a U.S. Trustee approved non-profit organization. Receive your certificate immediately after completing the course.
This course is approved in all districts of Alabama and North Carolina by the Bankruptcy Administrator. The course is not timed. As long as you complete the course and speak to a credit counselor, you will be provided a certificate of completion. The first bankruptcy course will cover money management, budgeting, budget counseling, and a review of your net worth.
There will also be a discussion of the factors that led to your financial difficulty and suggestions on how to overcome your financial difficulty. If you log off the pre-filing bankruptcy credit counseling without completing it, our website will remember where you left off once you log back in.
You can finish the course at your own pace. The course is available 24 hours, 7 days a week. This first bankruptcy course is a no-fail course — you cannot fail it. As long as you complete the online portion of the course and speak to a credit counselor during regular business hours of Monday - Friday 9am to Midnight EST, you will have successfully completed the first bankruptcy course and you will receive a certificate of completion. A copy of the course material will be available for download upon completion of the course.
You will then see a link to download the full course material. We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. We may release your information when we believe releasing it is appropriate to comply with the law, to enforce our site policies, or protect ours or others rights, property, or safety. The information provided to us during the course is used only to provide you with the pre-filing bankruptcy counseling service.
The information will not become part of your bankruptcy case. We use Authorize. All payments will be made over a secure encrypted connection so credit card numbers and private details cannot be stolen in transit. This is as secure as online ordering can be. To request a refund, send an to support debtorcc. Please be sure to include your first name, last name, last 4 digits of your social security number, and a reason for requesting a refund.
Refunds are only granted if requested within 6 months of registration. If the billing code does not work on our website, please contact your attorney for assistance. During registration, we will notify you if you qualify for a fee waiver. If you qualify, you must submit the paperwork that we request and wait a minimum of 72 hours for us to make a determination.
Please do not submit multiple inquiries for a fee waiver as it will delay the review process. Your certificate will be available to download immediately upon completing the course and speaking to a credit counselor. We will provide the certificate for download in your account, email you a copy, and also send a copy to your attorney if you provided their email address. You may also request a physical copy of your certificate by mail.
To download a copy of your certificate, please log in to your account using the email address that you registered with and follow the instructions.
Your certificate of completion can be emailed, faxed, or mailed to you. If you have an attorney or preparer, a duplicate copy of your certificate will be provided to your attorney or preparer if you provide their information. Send an email to support debtorcc. We will send a copy to your attorney by email. Topics included in these debtor education sessions include how to manage money; how to develop a budget; how to use credit responsibly; and where to find additional resources and help for managing your personal finances.
As with the pre-bankruptcy sessions, waivers for the post-bankruptcy sessions are available if you cannot afford to pay the fee. If you are concerned that your debts are growing out of control and believe that filing for bankruptcy is your only choice, please contact American Consumer Credit Counseling ACCC.
Through our debt assistance programs , we are able to provide options to your specific financial situation. If you do decide to pursue bankruptcy, we offer approved pre- and post-bankruptcy credit counseling certificate courses. As a non-profit, Better Business Bureau accredited credit counseling agency , we've been helping consumers overcome their financial problems for more than two decades. American Consumer Credit Counseling ACCC is a nonprofit debt relief agency offering consolidated credit counseling and consumer debt solutions.
If you have debt to consolidate , we can help you consolidate credit without taking a loan or paying high fees like some debt management companies charge. A fair, effective debt reduction service , our debt management program simplifies your payment responsibilities and often results in reduced interest rates from your creditors.
As a leading national debt consolidation firm , ACCC has also been approved by the Department of Justice to provide credit counseling for bankruptcy both the pre-bankruptcy credit counseling certificate and the post-bankruptcy debtor education.
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