What to Expect in Bankruptcy: Credit Counseling & Debtor Education

8
FREE What Expect? to Your Bankruptcy Course Guide StartFreshToday.com | 888.214.7773

description

Start Fresh Today created this guide for consumers going through bankruptcy to help explain the bankruptcy course process. What to expect during pre-bankruptcy Credit Counseling and post-filing Debtor Education are covered.

Transcript of What to Expect in Bankruptcy: Credit Counseling & Debtor Education

Page 1: What to Expect in Bankruptcy: Credit Counseling & Debtor Education

FREE

WhatExpect?

to

Your Bankruptcy Course Guide

StartFreshToday.com | 888.214.7773

Page 2: What to Expect in Bankruptcy: Credit Counseling & Debtor Education

The agencies who administer these courses must be approved by the EOUST, and failure to complete these courses at the appropriate time may result in your case being dismissed or your discharge denied.

Fortunately, Start Fresh Today makes it easy for you to complete your pre-filing Credit Counseling and your pre-discharge Debtor Education Course through EOUST approved partner agencies right in the comfort of your own home.

This guide will walk you through what to expect as you fulfill these requirements and before you know it, you’ll be off to a FRESH START!

Bankruptcy Law Requirements If you’re planning to file for bankruptcy, you must complete two steps:

1 A Credit Counseling Briefing before you file, and 2 A Debtor Education Course after filing.

Copyright © 2014 - Start Fresh Today

Page 3: What to Expect in Bankruptcy: Credit Counseling & Debtor Education

Bankruptcy law requires that you complete an EOUST approved Credit Counseling Briefing before you file your bankruptcy petition.

The Credit Counseling Briefing is a 90-minute, interactive, course that provides customized feedback based on the information you enter.

Before you start the Credit Counseling Briefing you will need:

Detailed information about income and deductions, a list of all property, a list of all debts, a list of all expenses, and your bankruptcy judicial filing district.

What is a Credit Counseling Briefing?

Copyright © 2014 - Start Fresh Today

STEP 1

Page 4: What to Expect in Bankruptcy: Credit Counseling & Debtor Education

Credit Counseling – Online or By Phone

A credit counseling briefing followed by a short telephone conversation or live chat

An easy to navigate, interesting credit counseling briefing full of useful information

Animated counselors (available in English or Spanish) to walk you through the briefing

The ability to stop the briefing at any time and consult with the credit counseling agency, or just take a break – you can pick up where you left off later

Customized feedback based on the information you provide

A printable summary of the course

Electronic delivery of your certificate to you and your attorney*

What to expect from Credit Counseling Briefing?

*Not available for eValue optionCopyright © 2014 - Start Fresh Today

Credit Counseling Provided by ACM**

Page 5: What to Expect in Bankruptcy: Credit Counseling & Debtor Education

A Debtor Education Course is also known as a Post-Filing or Personal Financial Management Course.

After you have filed for bankruptcy and completed your Credit Counseling but before discharge, this course is required.

The Debtor Education Course is intended to help you plan your financial future and avoid post-bankruptcy pitfalls. The certificate of completion must be filed with the court before you receive your discharge.

This 2-hour financial management course is easy to navigate and easy to understand. You’ll also get printable forms to use in budgeting and financial planning.

Before you start the Debtor Education Course you will need:

Your mother’s maiden name, your bankruptcy case number, and your bankruptcy judicial filing district.

What is a Debtor Education Course? STEP 2

Copyright © 2014 - Start Fresh Today

Page 6: What to Expect in Bankruptcy: Credit Counseling & Debtor Education

Debtor Education – Online or By Phone

An interesting, informative educational course followed by a short telephone conversation

Easy to use program with clear prompts, whether you’re working online or over the phone

Clear, understandable financial planning information

The flexibility to complete the course all at once or in segments to suit your schedule

Electronic delivery of your certificate by email

What to expect from Debtor Education Course

Copyright © 2014 - Start Fresh Today

Debtor Education Provided by SFTI**

Page 7: What to Expect in Bankruptcy: Credit Counseling & Debtor Education

“Everyone I spoke with on the phone was very helpful with all of my questions. Thank you for all of your help.” – John G.

“Excellent course. I learned a great deal.” – Donna S.

“This was actually very informative and I plan on using the information here to better my financial future. Thanks!!” – Joshua M.

“I especially like the information on building credit. I never knew about secured and unsecured credit and how that can be so helpful! My whole family has been talking about it and we are impressed with this info. Thanks for much!” - Lisa M.

What Start Fresh Today Customers are Saying

Copyright © 2014 - Start Fresh Today

Page 8: What to Expect in Bankruptcy: Credit Counseling & Debtor Education

We can’t wait to help you. You have 2 options:

1 Choose our Most Popular Package that includes both courses - Start Now!

2 Need help finding a bankruptcy Attorney? We can help with that too. Connect me now.

For anything else, We’re here to help! Contact us Today (800) 435-9138

www.StartFreshToday.com

Ready to get Started?

**Credit Counseling offered through EOUST-approved Advisory Credit Management (ACM). Debtor Education offered through EOUST-Approved Start Fresh Today Instructional. Both are approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s services. Start Fresh Today is not an approved Agency, but a platform that brings EOUST-Approved agencies to you in one convenient location.

Copyright © 2014 - Start Fresh Today