PRE-FILING CREDIT COUNSELING COURSE
You must complete a PRE-Filing credit counseling course and obtain a Certificate of Completion. The Certificate of Completion is only valid for 6 months. There are many approved providers and the cost varies. We have identified the following providers with reasonable prices:
For Individual Filers (Filing without a spouse)
CC Advising: Cost $9.76 if you complete the course using a desktop computer or laptop. Use this provider if you are filing without a spouse. The cost increases to $50 that their course using your smart phone. This provider will automatically email your completion certificate to us. No need to pay any extra for delivery.
For Joint Filers ( Filing as a Married Couple)
DebtorCC: Cost $14.95 per couple. Use this provider if you are filing jointly with your spouse. This provider will automatically email your completion certificate to us. No need to pay any extra for delivery.
For Both Joint or Individual Filers:
BothCourses.com: Cost $8.95. USE ATTORNEY CODE: FRRF553. Use for either individual or joint filings. They offer course online or by phone for $20. Check their prices. Their website is currently unsecured. They offer a chat line for questions. Their business hours are M-F to 10 PM, Saturdays to 8 PM, and Sundays to 9 PM.
Phone Only (Non-Computer Users)
PreBK.com: Cost $25. Offers the course by phone. Call (844) 378-2961.
BothCourses.com: Cost: $20. Call (844) 378-3059.
POST-FILING CREDIT COUNSELING COURSE
Completion of a second counseling course is required before you receive the discharge of your debts. This course is commonly referred to the Financial Management Course or Debtor Education Course.
The best practice to complete the course as soon as possible, preferably prior to your creditor meeting.
This course takes approximately 2-hours to complete. When you register, provide our email address and the course provider will email a copy of your completion certificate to us and we will file your certificate with the Court.
There is no need for you to have the provider file your certificate, or to have them deliver the certificate to us via fax.
Some providers will charge extra if you try and take the course on a smart phone or tablet. You can select any provider.
Below, find suggested providers with reasonable rates.
ONLINE:
Debtor CC – Cost: $9.95 per household whether you filed individually or jointly. Your certificate will be emailed to us. No need to pay any additional charges.
BothCourses.com: Cost $7.99 per household whether you filed individually or jointly. USE ATTORNEY CODE: FRRF553 and we will receive your certificate via email. Their website is currently unsecured. They offer a chat line for questions. Their business hours are M-F to 10 PM, Saturdays to 8 PM, and Sundays to 9 PM.
PHONE:
Offered by PreBK.com. Call (844) 378-2961. Cost: $25.
Offered by BothCourses.com. Call (844) 378-3059. Cost: $20 (Additional $10 is charged for joint filers)