The Law Offices of Ken McCartney P.C.

Credit Counseling

 

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Effective October 17th, 2005 Congress has mandated that all individuals and husbands and wives that seek bankruptcy protection under any operative chapter shall attend mandatory educations sessions.  One pre-filing and another pre-discharge.  The former lasts a little less than an hour, the latter little longer.  A certificate of completion from an approved agency is a required filing with the petition and accompanying schedules. 

We find the sessions helpful to some clients and absolutely irrelevant to others.  It can be said that debtors are a better educated group than before and that looked good to the lobbyist working on the BAPCPA of 2005

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The Office of the United States Trustee is charged with approving applicants to provide this service and it takes that charge seriously.  There is a fee for the first session of about $6.00 waivable by some providers in very needed situations.  The second post filing course costs less,  usually about $5.00.  The US Trustee's web site is the best place to find the list of approved agencies. Click here   WYOMING   or   COLORADO for local information.  There are few live programs available in our districts but thankfully many programs are available on line and over the phone.

OUR CLIENTS CONSTANTLY SHOP THESE SITES FOR THE LEAST EXPENSIVE PROGRAM. SINCE ALL CERTIFICATES ARE THE SAME, ARE DONEON THE INTERNET WITHOUT HUMAN CONTACT, OR OVER THE PHONE, WE RECOMEND THE LEAST EXPENSIVE AND WILL PROVIDE THE WEB SITE ADDRESS FOR YOU ANYTIME (307) 635-0555.

You can click here to go to the site that we are currently recomending for the PRE filing class click: PRE FILING CLASS. We do not recomend this site for its post filing course. Wyoming's and Colorado's Bankruptcy Courts have only one district in the state, so when prompted for the judical district the response is your state name and nothing more. (California would have a Northern, Central, and Southern districts). #1# This agency requires an attorney code to enter the class. Please call our office for the current attorney code (307) 635-0555. Using our code causes a copy of the certificate to come to this office.

We recomend a different agency at a differnt web site form the PRE Discharge class click: PRE DISCHARGE CLASS.

 

All counseling centers will E-mail a copy of your course completion certificate to our officefor no additional charge. The best E-mail address to have them send a copy of your completion certificate to is jill@bankruptcyrep.com. THIS ADDRESS DISCOUNTS THE COST OF THE COURSE FOR YOU!

 

Federal law prohibits debtors' counsel from being affiliated or an owner of an approved credit counseling agency.

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