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Bankruptcy Pre-Discharge Education
If you have explored other options and have decided to proceed with filing for bankruptcy, you will receive a bankruptcy case number from your attorney and you must complete an approved Bankruptcy Pre-Discharge Education course.
You have the choice of attending an in-person, telephone, or online Bankruptcy Pre-Discharge course. You will need your bankruptcy case number to sign-up for or complete the online course.
You must spend a minimum of two hours on the education course to receive a Certificate of Completion. We have an obligation to promptly give you a Certificate of Completion, only after you complete the session, within one business days of completion of the course. Certificates will not be issued if this time requirement is not met.
Our financial counselor will review our disclosure with you before we get personal information from you or giving you financial counseling services.
We charge a fee of $0-$25 per person which includes the generation of the certificate.
The fee will be waived if your current income is less than 150 percent of the poverty guidelines updated periodically in the Federal Register by the U.S. Department of Health and Human Services under the authority of 42 U.S.C. 9902(2), as adjusted from time to time, for a household or family of the size involved in the fee determination. Please ask us if you have questions about these income levels. No one is turned away if they cannot afford to pay. Please call 1-800-366-8161 or 920-886-1000 about eligibility.
Frequently Asked Questions
We charge a fee of $0-$25 per person which includes the generation of the certificate.
The fee will be waived if your current income is less than 150 percent of the poverty guidelines updated periodically in the Federal Register by the U.S. Department of Health and Human Services under the authority of 42 U.S.C. 9902(2), as adjusted from time to time, for a household or family of the size involved in the fee determination. Please ask us if you have questions about these income levels. No one is turned away if they cannot afford to pay. Please call 1-800-366-8161 or 920-886-1000 about eligibility.
We provide free bilingual instruction or professional interpreter assistance to any limited English proficient client.
The consumer credit counselor conducting or supervising this session has been trained and certified in accordance with the National Association of Certified Credit Counselors (NACCC) standards, and while he/she has expertise in helping those with financial problems, he/she cannot provide you with legal advice. In fact, this session is designed to provide you with information and alternatives; it is not intended to take the place of a consultation with an attorney to explore your legal rights and options.
We do not pay or receive referral fees for the referral of clients.
It is our obligation to provide a certificate to the client, promptly upon completion of an instructional course, no later than one business day after completion of course and shall issue certificates only in the form approved by the United States Trustee and only from the Certificate Generating System maintained by the United States Trustee.
We may disclose client information to the United States Trustee in connection with the oversight of the agency, or during the investigation of complaints, during on-site visits, or during quality-of-service reviews.
The United States Trustee has reviewed only the providers instructional course and credit counseling services and has neither reviewed nor approved any other services the agency provides to clients.
The client will receive a certificate only if the client completes an instructional course.