full or partial waiver, please click here, download the form, and email, fax, or mail it. Others claim that consolidations loans are financial traps that should be avoided. How much does the course cost? If you choose to file for bankruptcy, the information entered in the course will not become part of your bankruptcy case. If you think that bankruptcy may be an option, I recommend that you go ahead and take the course and get your credit counseling certificate. . Once you file, I recommend that you obtain your financial management course certificate as soon as you can. . (If you use a coupon code to receive a discount, the waiver amount will not be applied above and beyond the coupon code. Individuals filing bankruptcy must complete a course in credit counseling before filing, and must complete a course in debtor education after filing. Please note that for the credit counseling course, you are required to chat or speak with a credit counselor to complete your course. Lastly, if you work with a credit counselor, you can have late fees waived and interest lowered which lowers the total amount of money that you owe.
If you do not have email or a fax number, we can send your certificate by mail upon request. If you meet the poverty guideline requirement and none of the above apply, you will be eligible for a full waiver. The post-filing debtor education course takes a minimum of 2 hours to complete (by law). If youre constantly being hounded by debt collectors, this is an easy way to get them off your back. You will be asked for an email address or fax number where your certificate should be sent, and you can provide your attorney's email address and fax if you are working with an attorney. Pre-bankruptcy counseling will take between 45 minutes and two frames and games pooler coupons hours and your certificate will be good for 180 days. The Pros of Debt Consolidation Contrary to what some of the popular financial gurus claim, there are indeed pros to debt consolidation. How long is my certificate good for? Back to top, are you approved in my state? When you log-on again, you will be taken back to the last page that you were.