Credit Counseling and Financial Management Course Requirements in Personal Bankruptcy

Thinking about filing for bankruptcy? Before you can file you are required to take a credit counseling course and submit the certificate of completion along with your petition and schedules. After you file, a second course and certificate are required to qualify for a discharge.

In this video, I explain what is involved with these two mandatory bankruptcy education courses.

Here is a list of approved vendors:

Here is a link to my Atlanta bankruptcy web site:

Jonathan Ginsberg
Atlanta bankruptcy attorney
Ginsberg Law Offices
1854 Independence Square
Atlanta, GA 30338

Hardship Repayment Plans & Credit Counseling for Lower Interest Rates

Hardship repayment plans and consumer credit counseling can both help to lower your monthly interest rates and credit card payments, while getting you out of debt much faster than just making the standard monthly minimum payments.


Hardship payment plans are not offered by all creditors, where credit counseling agencies can work with most unsecured debt.
One you can do on your own and the other is through a non-profit counselor.

For more tips on how to reduce your monthly credit card bills, lower interest rates, and to pay off debt faster, visit:

For more tips on how to get out of debt,

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Best Debt Relief Solution Options – An Overview


Ask a Debt Collection, Debt Settlement, Credit Card or Credit Reporting Question – Get Help

(reader questions for our channel are selected from here)

Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.
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Latest Bankruptcy News

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Personal bankruptcy
< img alt="personal bankruptcy"src =""size ="400"/ > Picture by andrewmalone

Take a look at Rachel Cruze YouTube Channel for life and money tips!
Josh calls Dave because he feels like all of their choices have actually go out, should he file bankruptcy?

Get a hold of an economic Peace course in your area!

Have a look at Chris Hogan’s book “Retire influenced”

Do you wish to take control of your cash? Get “The complete Money Makeover” guide right here.

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IN THIS VIDEO: Dave Ramsey, The Dave Ramsey Show, Financial Peace University, FPU, The Total Money Makeover, spending plan, envelope system, disaster investment, infant measures, radio tv show, debt freedom, EntreLeadership, mortgage, ELP,, cash, finance, economic climate, investing, saving, your retirement, cash, mutual fund, stock market, company, leadership, credit, drtlgi
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< iframe size="425" elevation="355" src="" frameborder="0" allowfullscreen > Kevin Heupel, chapter 7 attorney, from Heupel Regulation going over exactly how a person could restore their credit rating to a 720 within one year of declaring personal insolvency.

The very first step to reconstructing your credit scores is to get out of financial debt. Phase 7 insolvency is an excellent way to obtain from financial debt as it gets rid of most debts other than taxes from the last 3 years, pupil loans, kid assistance, spousal support, and restitution. Or else, a Colorado phase 7 personal bankruptcy will certainly get rid of the financial debt you need in order to restore your credit report score to a 720.

Personal insolvency is except everybody. Make certain to get in touch with a Chapter 7 attorney, such as Kevin Heupel at Heupel Law, to see if phase 7 insolvency is an alternative for you. For more information about personal bankruptcy attorneys, see and also click on this link to see this video clip once more:

Individual Bankruptcy in Plano TX – Exactly what to Expect When You Submit

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personal bankruptcy
by Michigan Municipal Organization(MML )personal bankruptcy plano txConsumers who submit individual bankruptcy in Plano TX often wonder exactly what the bankruptcy process resembles. While insolvency instances will be different for each person, there are certain tests every customer bankruptcy debtor will experience. Collins & Arnove, experienced personal bankruptcy attorneys & in Plano TX, supply the following for informative purposes only as well as warn that the information of your insolvency case will certainly rely on your home, your financial resources, as well as whether you file Chapter 7 or Phase 13 insolvency-any person thinking about insolvency needs to review the matter with a personal bankruptcy attorney.Personal Bankruptcy in Plano TX -Just what to Expect You will should take a pre-bankruptcy credit rating counseling program. Federal bankruptcy regulation requires that consumers that submit personal bankruptcy must take a credit report therapy program with a pre-approved supplier before applying for bankruptcy. You could take the training course either online or over the phone, and also the firm will certainly issue your lawyer a certification that he must submit with the court. If you attempt to submit bankruptcy without taking the course, unless you reveal great reason, the court will reject your situation. The course is absolutely nothing to be concerned about -your answers are not reported to the court. You will require to supply a great deal of paperwork, including evidence of your revenue as well as copies of your individual tax obligation returns. Your lawyer will certainly ask you for at the very least 60 days of paystubs or various other proof of earnings, in addition to your last 2 tax return, a minimum of 2 months of bank statements, as well as paperwork showing ownership of your house as well as the debt on your home loan, if any. You may also require a copy of any kind of taped mortgages, the title to your auto, statements for your retired life accounts, and also paperwork of any kind of organisations you currently own or once owned. You will should most likely to at the very least one hearing prior to an insolvency trustee. Whether you file Phase 7 or Phase 13, an insolvency trustee will be
assigned to your case. While a Chapter 7 trustee’s work is somewhat various from a Phase 13 trustee’s work, both sorts of trustees will certainly perform just what is called the Satisfying of Creditors, occasionally likewise called a 341 Satisfying or a 341 Hearing. The Satisfying of Creditors is the trustee’s first opportunity to ask you questions about your property as well as financial resources. Your financial institutions may also show up and ask you concerns, although this is somewhat rare in a straightforward individual insolvency instance. You will have to take a second economic monitoring course after you submit. Keep in mind that initial training course you took previously you filed? A 2nd one is called for after you
file. You must complete the 2nd program within 60 days after you attend that Satisfying of Lenders. If you do not take it, your instance will certainly obtain disregarded without a discharge(indicating your financial obligations are still following you around). Because of that, it’s ideal to take it as soon as that Fulfilling of Creditors is over, or also ahead of time. You will certainly obtain offers in the mail from subprime lending institutions. Remarkably, those who file individual bankruptcy usually find their mail boxes packed with deals for charge card, automobile loans and even more with outrageous rate of interest and also fees. If you obtain any one of these in the mail, speak with your insolvency lawyer before using. While getting brand-new credit could assist you develop your score after a personal bankruptcy, it can also get you into difficulty once more if not utilized cautiously.If you are considering submitting individual insolvency in Plano TX, get in touch with the skilled attorneys at Collins & Arnove today for a totally free consultation. Call -LRB-972-RRB- 516-4255 or submit our type at

< iframe size=" 425" height=" 355" src="" frameborder= "0" allowfullscreen > Chapter 7 and also Phase 13 individual insolvency. Created by Sal Khan.

Missed the previous lesson? See right here:

Finance and resources markets on Khan Academy: In the past (like medieval Europe), you would in fact be thrown in prison if you could not pay your debts (debtor’s prison). That looked like a pretty horrible thing to do (in addition to that loan providers are much less most likely to be paid by someone decaying behind bars), so governments produced an “out” called personal bankruptcy (which, as you’ll see, is a pseudo-painful “reset” button on your finances).

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