You may not file a Chapter 7 Bankruptcy or file a Chapter 13 Bankruptcy without first completing an approved credit counseling course.
and
You will not receive a Discharge in a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy unless you complete a post bankruptcy filing Financial Management Course.
Bankruptcy Lawyer Hollis Joslin Bankruptcy Credit counseling list
Credit Counseling Warning
Did you complete credit counseling from a US Trustee approved credit counseling agency & receive your credit counseling certificate? Your certificate MUST be filed with your bankruptcy petition.
READ THIS ENTIRE NOTICE BEFORE YOU FILE YOUR PETITION
If you do not complete counseling before you file your petition or you do not meet the requirements for an extension to complete the counseling after filing (The credit counseling must have been received within 180 days before filing bankruptcy):
Your case may be DISMISSED without refund of any filing fee paid;
- You WILL NOT receive a DISCHARGE of your debts;
- If you REFILE within ONE YEAR after dismissal, protection under the Bankruptcy Code from your creditors (i.e. the automatic stay) may be limited to thirty (30) days.
Under the bankruptcy laws, the court can only allow you to complete the course after filing if you meet all of the following conditions. See 11 USC § 109(h)(3).
- You must have tried to get credit counseling from an approved agency before bankruptcy but were not able to obtain the counseling during the 7-day period after you made the request; AND
- There are exigent (emergency) circumstances that make it necessary for you to file your case immediately (Important: The court will determine what qualifies as an emergency circumstance); AND
- You must file a certification stating the facts regarding conditions 1 and 2 above with your petition.
The decision to file is yours alone, but if you file a petition without taking the course, you are risking dismissal of your case. The clerk cannot provide legal advice or predict in advance how a judge will decide your request for an extension to complete this requirement for credit counseling. For more information about the credit counseling requirement, go here to read this: FTC Facts for Consumers: Before You File for Personal Bankruptcy.
To obtain a list of United States Trustee approved pre-bankruptcy credit counseling agencies, go to this website: U.S. Trustee Approved Credit Counseling Agencies for AZ Filers.
You may take the course on the Internet, by telephone, or in person. If you do not have a computer, your public library may allow you to use their public computers.
NOTE: A waiver of the credit counseling requirement is available in very limited circumstances for persons on military duty in an active combat zone, or persons with a physical or mental impairment preventing participation in credit counseling, in person, by telephone, or on the Internet. A waiver must be granted by the court. 11 U.S.C. § 109(h)(4).
Bankruptcy Lawyer Hollis Joslin Bankruptcy Credit counseling list
Bankruptcy Attorney Hollis Joslin provides a list of Approved Bankruptcy credit counseling providers for both English and Spanish Speakers here:
Bankruptcy Credit Counseling Agencies
Bankruptcy Course Bankruptcy Course
Chapter 7 Chapter 13 Chapter 7 Chapter 13
Simple Class, Inc. Wiser Consumer Education, Inc.
304 S. Jones Boulevard 503 Hillcrest Lane
Suite 1027 Krum, TX 76249
Las Vegas, NV 89107 800-496-2440
866-742-6259 Delivery Method: Internet/Telephone
Delivery Method: Internet www.1dollarwiser.com
www.simpleclass.net
Bankruptcy Course Bankruptcy Course
Chapter 7 Chapter 13 Chapter 7 Chapter 13
Advantage Credit Counseling Service, Inc. Evergreen Financial Counseling
River Park Commons 644 Valleywood Drive S
2403 Sidney Street, Suite 400 Salem, OR, 97302
Pittsburgh, PA 15203 800-581-3513
888-511-2227 Delivery Method: Internet/Telephone
Delivery Method: Internet/Telephone www.evergreenclass.com
www.advantageccs.org
866-409-2227
Bankruptcy Course Bankruptcy Course
Chapter 7 Chapter 13 Chapter 7 Chapter 13
Cambridge Credit Counseling Corp. Hananwill Credit Counseling
67 Hunt Street 115 North Cross Street
Agawam, MA 01001 Robinson, IL 62454
800-403-3433 Delivery Method: Internet/Telephone
Delivery Method: Internet/Telephone 877-544-5560
www.cambridgecredit.org www.hananwill.com
800-403-3433
Bankruptcy Course Bankruptcy Course
Chapter 7 Chapter 13 Chapter 7 Chapter 13
Credit Counseling Center National Debt Management, Inc.
832 Second Street Pike 17520 West 12 Mile Road
Richboro, PA 18954 Suite 105
215-348-8003 Southfield, MI 48076
Delivery Method: Internet/Telephone 248-200-2106
www.ccc-credit.com Delivery Method: Telephone
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877-900-4222 855-378-8989
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Bankruptcy Course Bankruptcy Course
Chapter 7 Chapter 13 Chapter 7 Chapter 13
Stand Sure Credit Counseling Summit Financial Education, Inc.
AKA Biblical Financial Concepts, Inc. 4800 E Flower Street
406 5th Street North Tucson, AZ 85712
Suite 1 800-780-5965
Oneonta, AL 35121 Delivery Method: Internet
877-240-1398 www.SummitFE.org
Delivery Method: Internet/Telephone
www.standsurecc.org
Bankruptcy Course Bankruptcy Course
Chapter 7 Chapter 13 Chapter 7 Chapter 13
Test Agency for CCDE 2.2.2 The Kingdom Ministries, Inc.
111 Twinbrook Pkwy 6094 Apple Tree Drive
Rockville, MD 20851 Suite 1
301-555-1111 Memphis, TN 38115
Delivery Method: Internet 901-552-5131
www.TestAgency.net Delivery Method: Telephone
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English and Spanish Bankruptcy Credit Counseling Agencies
Bankruptcy Course Bankruptcy Course
Chapter 7 Chapter 13 Chapter 7 Chapter 13
Debtorcc, Inc. BK Class, Inc.
378 Summit Avenue 2711 E. Melrose Street
Jersey City, NJ 07306 Gilbert, AZ 85297
1-800-610-3920 877-376-7122
Delivery Method: Internet Delivery Method: Internet
www.debtorcc.org www.myonlinebankruptcyclass.com
Bankruptcy Course Bankruptcy Course
Chapter 7 Chapter 13 Chapter 7 Chapter 13
Credit Counselors, Inc. Abacus Credit Counseling
6161 Blue Lagoon Drive 17337 Ventura Boulevard Suite 150 Suite 205 Miami, FL 33126 Encino, CA 91316 305-269-9201 800-516-3834
Delivery Method: Internet/Telephone Delivery Method: Internet/Telephone
www.a123cc.org www.abacuscc.org
1-888-412-2123
Bankruptcy Course Bankruptcy Course
Chapter 7 Chapter 13 Chapter 7 Chapter 13
Academy of Financial Literacy, Inc. Access Counseling, Inc.
725 W. Elliot Road 633 W 5th Street
Gilbert, AZ 85233 Suite 26001
877-833-2867 Los Angeles, CA 90071
Delivery Method: Internet 800-205-9297
www.academyoffinancialliteracy.com Delivery Method: Internet/Telephone
www.accesscounseling.com
Bankruptcy Course Bankruptcy Course
Chapter 7 Chapter 13 Chapter 7 Chapter 13
Allen Credit and Debt Counseling Agency Alliance Credit Counseling, Inc.
20003 387th Avenue 10720 Sikes Place
Wolsey, SD 57384 Suite 100
888-415-8173 Charlotte, NC 28277
Delivery Method: Internet/Telephone 888-594-9594
www.acdcas.com Delivery Method: Internet/Telephone
888-415-8173 www.knowdebt.org
888-594-9596
Bankruptcy Course Bankruptcy Course
Chapter 7 Chapter 13 Chapter 7 Chapter 13
American Consumer Consumer Credit Counseling Service of Buffalo
Credit Counseling, Inc 40 Gardenville Parkway, Suite 300
130 Rumford Avenue West Seneca, NY 14224
Suite 202 716-712-2060
Newton, MA 02466 Delivery Method: Internet/Telephone
866-826-6924 www.consumercreditbuffalo.org
Delivery Method: Internet/Telephone 800-296-9685
www.consumercredit.org
Bankruptcy Course Bankruptcy Course
Chapter 7 Chapter 13 Chapter 7 Chapter 13
American Debt Resources, Inc. Consumer Education Services, Inc.
384 Larkfield Road DBA Start Fresh Today
East Northport, NY 11731 DBA Affordable Bankruptcy Course
800-498-0766 3700 Barrett Drive, Raleigh, NC 27609
Delivery Method: Telephone Delivery Method: Internet/Telephone
www.startfreshtoday.com 800-435-9138
Bankruptcy Course Bankruptcy Course
Chapter 7 Chapter 13
American Financial Solutions of Chapter 7 Chapter 13
N Seattle Community College Foundation Credit Advisors Foundation
600 University Street 7525 Camelback Road #210
Suite 2409 Scottsdale , AZ 85251
Seattle, WA 98121 Delivery Method: Internet/Phone/In-person
800-894-7240 800-625-7725
Delivery Method: Internet/Telephone www.yourbankruptcypartner.com
www.myfinancialgoals.org
Bankruptcy Course
Bankruptcy Course Chapter 7 Chapter 13
Chapter 7 Chapter 13 Credit Card Management Services, Inc
Black Hills Children's Ranch, Inc. DBA Debthelper.com
1644 Concourse Drive 1325 N. Congress Ave. Suite 201
Rapid City, SD 57703 West Palm Beach, FL 33401
605-348-1608 Delivery Method: Internet/Telephone
Delivery Method: Internet/Telephone www.debthelper.com 800-920-2262
www.pioneercredit.com
800-888-1596
Bankruptcy Course
Chapter 7 Chapter 13
Bankruptcy Course Cricket Debt Counseling
Chapter 7 Chapter 13 3033 Express Drive North, Suite 103
CC Advising, Inc. Hauppauge, NY 11749
703 Washington Ave. 888-354-6332 www.debtcounselingcorp.org
Suite 200 Delivery method: Telephone/Internet
Bay City, MI 48708-5732
1-855-980-6690 Debt Education and Certification Foundation
Delivery Method: Internet 112 Goliad Street, Benbrook, TX 76126
www.ccadvising.com Delivery Method: Internet/Telephone
www.bkcert.com 866-859-7323
Bankruptcy Course
Chapter 7 Chapter 13 Bankruptcy Course
Debt Management Credit Counseling Corp Chapter 7 Chapter 13
3310 N. Federal Highway Garden State Consumer Credit Counseling,
Lighthouse Point, FL 33064 DBA Navicore Solutions. 732-409-6281
954-418-1466 200 US. Highway 9, Manalapan, NJ 07726 Delivery Method: Telephone Delivery Method: Internet
888-777-0981 www.navicoresolutions.org
Debt Reduction Services, Inc. GreenPath, Inc.
6213 N. Cloverdale Road 36500 Corporate Drive
Suite 100 Farmington Hills, MI 48331
Boise, ID 83713 248-553-5400
208-378-0200 Delivery Method: Internet/Telephone
Delivery Method: Internet www.greenpath.com 877-544-5560
www.debtreductionservices.org
InCharge Debt Solutions
Dollar Learning Foundation, Inc. 5750 Major Blvd, Suite 300
21550 Oxnard Street 3rd Floor PMB #001 Orlando, FL 32819
Woodland Hills, CA 91367 407-532-5716
877-366-6070 Delivery Method: Internet/Telephone
Delivery Method: Internet/Telephone www.personalfinanceeducation.com
www.dollarbk.org 1-866-729-0049
Family Financial Education Foundation Money Management International, Inc.
724 Front Street, Suite 340 1916 N. Fairfield Avenue, Suite 2
Evanston, WY 82930 Chicago, IL 60647
307-789-2010 866-200-6825
Delivery Method: Internet/Telephone Delivery Method: Internet
www.ffef.org 888-292-4333 www.moneysharp.org
Springboard Nonprofit Consumer Credit Urgent Credit Counseling, Inc.
Management, Inc., dba credit.org 219 SW Stark Street, Suite 200
4351 Latham Street Portland, OR 97204
Riverside, CA 92501 866-233-1940
951-781-0114 Delivery Method: Internet/Telephone
Delivery Method: Internet/Telephone www.urgentco.com
www.bkhelp.org or www.bancarrota.org
888-425-3453
The Mesquite Group, Inc.
463 W. Harwood Road
Hurst, TX 76054
877-769-4069
Delivery Method: Internet/Telephone
www.themesquitegroup.org
877-769-4069
