What to Expect in Bankruptcy: Credit Counseling & Debtor Education
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Your Bankruptcy Course Guide
StartFreshToday.com | 888.214.7773
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.
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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?
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STEP 1
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**
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
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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
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Debtor Education Provided by SFTI**
“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
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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.
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