Pre-filing bankruptcy course

pre-filing bankruptcy course

Bankruptcy Course Version $10 Money Sharp is a fully approved agency. We offer both Pre-filing and Post-filing Bankruptcy courses. Rebuild Financially. Our simple and time tested course walks your through the steps of rebuilding after a foreclosure or bankruptcy. Money Mastery. The Second Course: Post-Bankruptcy Debtor Education. Bankruptcy filers must take a second course—called debtor education—after filing for bankruptcy. The debtor education course provides the filer with financial management tools, such as tips for creating a budget and rebuilding credit after Cara O'neill, Attorney. Pre-Filing Credit Counseling – The certificate expires days from the date the counseling was completed. Pre-Discharge Debtor Education- In most cases, the certificate needs to be presented in court within 45 days of the original filing date. For further explanation . pre-filing bankruptcy course

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Pre Discharge Bankruptcy Course - Debt Education

Our simple and time tested course walks you through the steps of rebuilding after a foreclosure or bankruptcy. If you don't make plans for the money, someone else will. Learn to master your money and take control of your future. The United States Turstee has reviewed our credit counseling and debtor education services. We offer both Pre-filing and Post-filing Bankruptcy courses. Rebuild Financially. Our simple and time tested course walks your through the steps of rebuilding after a foreclosure or bankruptcy.

If you don't make plans for the money you earn, someone else will. Start First Course. The counselors at Debtorcc, Inc. They are skilled at helping you understand the materials presented and help you apply the new skills in your life.

Each counselor has experience in accounting, financial planning, credit counseling, or personal financial management. If you require legal or tax advice, please seek the assistance of an attorney or tax professional. The sole source of funding for Debtorcc, Inc.

To ensure that you and your attorney receive the certificate of completion, it is your responsibility to ensure that the contact information provided for you and your attorney is correct. You are solely responsible for ensuring that you and your attorney receive the certificate of completion in a timely manner.

No information gathered or the results of the Credit Counseling session will be disclosed to any Credit Reporting Agency. The completion of this credit counseling session will not negatively impact your credit rating. The possible impact of filing a bankruptcy on your credit rating should be discussed with your attorney or an outside source. You have the opportunity to negotiate an alternative payment schedule or debt management plan DMP for your unsecured debt.

We may refer you to another approved agency that provides this service. You may incur additional fees in connection with a debt management plan. The United States Trustee has neither reviewed nor approved any other services provided by Debtorcc Inc to debtors. Please read this page carefully. By accessing and using the Web Site, User accepts and agrees to be bound, without modification, limitation or qualification, by these Terms.

The right to access and use the Web Site is not transferable to any person or entity. The contents of the Web Site, such as text, graphics, images, audio, video and other material, as well as the underlying html source code of the Web Site "Material" are protected by copyright under both United States and foreign laws, and are owned or controlled by Debtorcc Inc or by third parties that have licensed their Material to Debtorcc Inc.

Unauthorized use of the Material may violate copyright, trademark, and other laws. User must retain all copyright and other proprietary notices contained in the original Material on any copy User makes of the Material.

User may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the Material, in whole or in part or reproduce, display, publicly perform, distribute, or otherwise use the Material in any way for any public or commercial purpose. User may download Debtorcc Inc copyrighted material for User's personal use only.

Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of the Material will be permitted without the express permission of Debtorcc Inc and the copyright owner.

In the event of any permitted copying, redistribution or publication of the Material, no changes in or deletion of author attribution, trademark legend or copyright notice shall be made.

User acknowledges that it does not acquire any ownership rights by downloading the Material. The trademarks, logos and service marks the "Marks " displayed on the Web Site are owned by Debtorcc Inc or third parties. User is prohibited from using those Marks without the express, written permission of Debtorcc Inc or such third party.

All rights reserved. All other trademarks appearing on the Web Site are the property of their respective owners. These links are provided solely as a convenience to User and not as an endorsement by Debtorcc Inc of the contents on such third-party Web sites.

Users acknowledge their use of these third party websites is at their sole risk. Section 4. Representations and Warranties - Liability Disclaimers. User represents, warrants and covenants that a they will use the Web Site for lawful purposes only b no materials of any kind submitted through their account which i violate or infringe in any way upon the rights of others, ii are unlawful, threatening, abusive, defamatory, vulgar, obscene or profane in the sole discretion of Debtorcc Inc, iii encourage conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or iv contains any advertising or solicitation with respect to products or services without the express prior written approval of Debtorcc Inc.

The Material may contain inaccuracies or typographical errors. Advice received via this Web site should not be relied upon for personal, legal or financial decisions and User should consult an appropriate professional for specific advice tailored to their situation. User agrees to defend, indemnify, and hold harmless Debtorcc Inc, its officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from any use of the Web Site and any Material contained therein by User or through User's account, or by User's breach of the terms of this Agreement.

Nothing herein shall apply to actions or claims under the provisions of the United States Bankruptcy Code, 11 U. The information Debtorcc Inc requests, is the minimum we believe necessary to achieve this goal. For further details on Debtorcc Inc's policies for using User information please read our Privacy Policy. Your card will be authorized for the full amount of your purchase at the time of your order. This may cause an immediate reduction in your funds or increase in your credit line, even if your order is later canceled, as the credit and debit card issuing banks release authorizations at their discretion.

Your credit or debit card is generally charged upon receipt of your order. You may request a full refund of the fees paid until your certificate is generated. After your certificate has been generated, no refund will be granted. Refunds are also only granted if requested within 6 months of registration. After the 6 month timeframe, no refund will be granted, regardless of whether a certificate has been generated or not.

After you place an order through the Debtorcc. We may require additional verifications or information before accepting any order. If we reject your order, we will generally attempt to notify you by using the contact information you gave to us with your order. Your receipt of an electronic or other form of order confirmation does not signify our acceptance of your order, nor does it constitute confirmation of our offer to sell. We reserve the right at any time after receipt of your order to accept or decline your order for no or any reason whatsoever.

You will not be charged if we reject an order, but we will process a refund if a charge has been made against you in error. All legal issues arising from or related to the use of the Web Site shall be construed in accordance with and determined by the laws of the State of New Jersey applicable to contracts entered into and performed within the State of New Jersey, without respect to its conflict of laws principles.

By using the Web Site, User agrees that the exclusive forum for any claims or causes of action arising out of User's use of the Web Site shall be either any state court for or within the State of New Jersey. User hereby irrevocably waives, to the fullest extent permitted by law, any objection which User may now or hereafter have to the laying of the venue of any such proceeding brought in such a court and any claim that any such proceeding brought in such a court has been brought in an inconvenient forum.

If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term. Any changes to this Agreement must be made in writing, signed by an authorized representative of Debtorcc Inc.

The section headings used herein are for convenience only and shall not be given any legal import. All information, data, text, software, music, sound, photographs, graphics, video, messages or any other materials whatsoever collectively, "User Content" , whether publicly posted or privately transmitted, are the sole responsibility of the person from which such User Content originated. This means that the User, and not Debtorcc , is entirely responsible for all User Content that he or she uploads, posts, emails or otherwise transmits via the Web Site.

Users are responsible for their own communications and are solely responsible for the consequences of posting any User Content. If notified by a User about communications that allegedly do not conform to any term of this Agreement, Debtorcc may investigate the allegation and determine in good faith and its sole discretion whether to remove or request the removal of the communication.

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