Counseling and Education Requirements call 1-800-956-9866 As a rule, pre-bankruptcy credit counseling and a pre-discharge debtor bankruptcy course Memphis TN may not be provided at the same time. Credit counseling must take place before you file for bankruptcy and the bankruptcy class must take place after you file.
In general, you must file a certificate of credit counseling completion when you file for bankruptcy, and evidence of completion of debtor education Memphis TN bankruptcy course after you file for bankruptcy – but before your debts are discharged. Only credit counseling organizations and debtor education bankruptcy course Memphis TN providers that have been approved by the U.S. Trustee Program may issue these certificates. To protect against fraud, the certificates are produced through a central automated system and are numbered.
Pre-bankruptcy Counseling call 1-800-956-9866 A pre-bankruptcy counseling
session with an approved credit counseling organization should include
an evaluation of your personal financial situation, a discussion of
alternatives to bankruptcy, and a personal budget plan. A typical pre-filing Memphis TN bankruptcy course should last about 60 to 90 minutes, and can take
place in person, on the phone, or online.
The credit counseling organization is
required to provide the pre-filing Memphis TN bankruptcy course free of charge for those consumers
who cannot afford to pay. If you cannot afford to pay a fee for bankruptcy class, you should request a fee waiver from the credit counseling
organization before the bankruptcy course begins. Otherwise, you may be charged a
fee for the pre-filing bankruptcy class, which will generally be about $50, depending on
where you live, the types of services you receive, and other factors.
The credit counseling organization is required to discuss any fees with you
before starting the pre-filing bankruptcy class Memphis TN .
Once you have completed
the required credit counseling, you must get a bankruptcy certificate as proof. Check the
U.S. Trustee’s website to be sure that you receive the bankruptcy certificate from a
credit counseling organization that is approved in Memphis TN where
you are filing bankruptcy. Credit counseling organizations may not
charge an extra fee for the credit counseling certificate.
Post-Filing Debtor Education and Post filing bankruptcy class online call 1-800-956-9866 A
debtor education bankruptcy course by an approved bankruptcy course Memphis TN provider should include
information on developing a budget, managing money, using credit wisely,
and other resources. Like the pre-filing bankruptcy class Memphis TN, debtor bankruptcy education may
be provided in person, on the phone, or online. The debtor education and Memphis bankruptcy course
session might last longer than the pre-filing bankruptcy class counseling session – about two
hours – and the typical fee is between $50 and $100. As with pre-filing
bankruptcy course counseling, if you are unable to pay the session fee, you should seek a
fee waiver from the debtor education bankruptcy class provider. Check the list of
approved debtor education and bankruptcy class providers here or at the bankruptcy clerk’s office in Memphis TN.
you have completed the required debtor education Memphis TN bankruptcy course, you should
receive a bankruptcy certificate as proof. This certificate is separate from the
certificate you received after completing your pre-filing bankruptcy credit
counseling. Check the U.S. Trustee’s website to be sure that you receive
the certificate from a debtor education provider that is approved in Memphis TN where you filed bankruptcy. Unless they have
disclosed a charge to you before the pre-filing bankruptcy class session begins, debtor
education providers may not charge an extra fee for the bankruptcy certificate.