Debtor Education Service

Any idea on simple and FAST services? Obviously it looksl like doing it online is the way to go. Any favs? I have two in mind but I don't want to byas anyone's views. I might do one and my wife might do another if we dont' end up agreeing (that's probably how we got in this spot in the first place!) THen we'll post and let you know how it went.

I did both certifcates online, but I used two different organizations. For the discharge cert. I used cccsinc.org, they charge 50 and that would include you and your husband or just you. It was 50 easy questions.

I did both certifcates online, but I used two different organizations. For the discharge cert. I used cccsinc.org, they charge 50 and that would include you and your husband or just you. It was 50 easy questions.

I thought the discharge certifcate was only $35. I paid $50 for the pre-bankruptsy certifcate.

Some attnys are requiring clients do these things in their offices. I noticed one attny we Consulted with was charging a kinda high sounding fee for the Pre Cert. I checked the name of the Pre Cert agency in the attny's info packet and then went to the Agency's website. That particular attny was charging $15 more than if we used that particular agency on our own.

Different agencies fees vary slightly as well.

Those are a couple reasons different people are paying different levels of fees.

Some attnys are requiring clients do these things in their offices. I noticed one attny we Consulted with was charging a kinda high sounding fee for the Pre Cert. I checked the name of the Pre Cert agency in the attny's info packet and then went to the Agency's website. That particular attny was charging $15 more than if we used that particular agency on our own.

Different agencies fees vary slightly as well.

Those are a couple reasons different people are paying different levels of fees.

Thanks, it's good to know there sre people out there who are willing to help. This is a wierd and strange process to me.

I do consulting, so I can see how a nominal charge by an lawyer might be justified since they supply the computer, the connection, etc. On the other hand, it should probably just be a part of their business expense. It's not like they don't make a ton of $$ of the misfortune of others.

My wife has decided to do one and I will do another. I'll post on what we think of them.

That makes sense. The attny's facilities use, therefore a nominal fee assessed. Plus, the one we're gonna use will have his assistant peep in on us from time to time during the process both times. His way of "verifying" we're completing the process according to proceedure requirements.

I noticed from his paperwork packet, he's only charging $5 more per joint session than the fee we'd pay direct for one of us. We'll be getting joint sessions out of the deal for little more than the price of one. So we'll actually wind up saving money. I guess some attnys worked out deals with some of the approved agencies.

I did both with CCCSinc, they were $50 each, the mangement course was very informative and helpful, 30 questions, took about 1 hr for me, about budgeting and loan questions we all should know etc. not difficult at all.

I actually called a few. some offered discounts if we both did it with them (that doesn't sound write does it?) Anyhow, we gotta get it done. I see some of the horror stories here and i get worried. I hope we didn't forgt to list something, forget about some income, etc. Oh, i should post the credit counsel we used. They were in Tulare County. REALLY nice people

i used cccs online for the pre-filing certificate ($50) and recently used
hummingbird ( http://www.hbcce.org/ ) for the online debt management certificate ($19). i don't know how the other services work but with humminbird you take the course online and then get a affidavit which needs to be notarized and sent in with a money order and then they email (or mail) the certificate of completing the course. at least that is how it is supposed to work, I have not sent the affidavit in yet. but i went with them cause it will be about 25 bucks cheaper than others i researched.

That sounds like a lot of work. We used www.onlinebankruptcyschool.com and got used a coupon for $25 off - all took an hour or two and was very painless.

If anyone is interested I can find out what the coupon was, I dont have it right here. PM me or I'll post here later.

I happen to like the Dave Ramsey course from the sample video. When my number is up this is the one I probably will choose.



http://www.daveramsey.com/edu/bankruptcyv1/index.cfm?event=dspNewClientRequiredInfoStatement

http://www.daveramsey.com/edu/bankruptcyv1/

I had a couple of requests for the www.onlinebankruptcyschool.com coupon. Sorry it took me a bit, had to call my lawyer, I had lost it.

SPRING06 should be $15 off.
FAMILY25 should be $25 off!!!

I dont know how long they'll work, so use and abuse :)

Let me know if they work and helped out someone!

does the location matter or as long as it's a preferred vendor is that ok?

Go to http://www.allsolutionsnetwork.com/PM/PM45579/, from there you will find links to free bankruptcy forms, commonly asked questions, and a free bankruptcy manual.

Do you print out the certificate or is it mailed to you?

Do you print out the certificate or is it mailed to you?

When you take the course online, the certificate showing successful completion is sent directly to your lawyer by mail or electronically. If you are filing pro se (without a lawyer), then it's mailed to you.

I don't know what happens in live classes - hopefully someone else who took their required pre-bankruptcy class in a classroom with a live instructor can share how their certificate was handled in that situation.

My lawyer gave me the names of the places he wants me to use--I would prefer to choose my own (which I know I can), but don't want to rock the boat.

I just finished my pre-filing course on cccsinc.org - it was much quicker thank I thought, but WOW what an eye opener....now I remember why I am filing....and DAMN my score dropped quick (I was a shabby 594, now I am a very very shabby 527, in less than 2 months....ugh)

I had my 341 Sept. 1st. When do you complete the post credit counciling or debt management part. I am supposed to do it at the lawyers office, but wasn't told when I need to do it.

Hi!

I'm on my 61 day after my meeting. I checked pacer this morning and looked at the Docket Summary and it's says that my Financial Managment Course NOT MET) I filed my certificate on 8/23/06. Does anybody know what this means? I'm nervous! My 341 hearing was on 7/11/06.

Hi!

I'm on my 61 day after my meeting. I checked pacer this morning and looked at the Docket Summary and it's says that my Financial Managment Course NOT MET) I filed my certificate on 8/23/06. Does anybody know what this means? I'm nervous! My 341 hearing was on 7/11/06.

If you are concerned, you can call the clerk for clarification.

I left them a message. They take about 48 hours to return your call. It must be a mistake because I filed my certificate before the 45 days after my 341 hearing expired.

I found out what the problem was. I didn't file form 23 along with my certificate. I'm getting a notice sent home along with the form and I have 10 days to send it back. If you're filing Pro se make sure to file Form 23 along with your pre-discharge certificate.

(Admin Note - Members, the list of US Trustee-approved pre-filing bankruptcy courses at http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm was updated on July 20, 2007. This company is not listed on the approved list for five states I chose at random. Check your state's approved credit counseling agencies list carefully before using this company. -lrprn)

_______________________________

Mine was only $24.99 and I was able to download my pre-discharge bankruptcy certificate directly from www.standsuretoday.com. I liked the course and actually learned A LOT.

My attorney said her clients have had the best luck with them.

:clapping:

Elphaba, in the future please don't post to old inactive threads like this - it's against our forum rules that are posted at the top of every forum area. It's best to start a new thread of your own.

And for all our members - be sure that any credit counseling agency you use for pre-filing certification is approved by the US Trustee and your state judicial districts. You can find that information here - http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm

I used Hummingbird.com for my preBK cc. It was a simple online form then my husband and I made a quick phone call (5 min. max), she suggested we get another job to bring in more income and that was it. Oh, she asked us if we thought we could afford the $49 fee and we said no so she waived it. Simple and fast. I kind of wish we would have gotten a budget analysis but that may be because she figured we couldn't use one anyway if we had a negative balance each month.

We just did the discharge course through www.debtor-ed.com. It was easy and took about an hour-and-a-half.

Hey everybody,
Recently my lawyer told me to take the 1st part of my credit counseling course online or phone. I chose online. I was glad I did. I called first to find out procedures. I signed up and believe it or not, because my lawyer works for Legal Aide in my state, they waived the fee. I could not believe it because there was absolutely nothing in my savings account and I was scared to touch it if it was anyway.

I learned a lot about myself and my spending habits. I could not believe some of the information they have avaliable when you take those courses. After part 1 was over, I received my certificated via e-mail(make sure it does not go to spam in your mailbox)and I printed a copy for the lawyer and I was on my way. I definitely recommend online.:)

We also did the second part online it was easy and at the end we were required to call the number so they could verify our info and bk case number for the certificate. It was much easier than going to the Credit Counceling place to meet with someone like we did for the first one.

I don't think it gets any easier than the course at www.debtor-ed.com. We did it last weekend. It was quick and painless. Didn't have to phone in for anything. At the end, they email your certificate of completion immediately and you can print it. They also email it immediately to your atty.

That sounds like a good one. Other one that worked well is www.freshstartonline.org $50 per couple for each the debtor education (pre-filing) and financial mgt (post filing). Course is all on line and they too send a copy to you and to your attorney.

The cheapest class I found online is

[weblink and related information deleted by moderator because site posted is not approved by DOJ's list of approved credit counseling agencies in any state - http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm ]

This is a spam posting and could be hiding a phishing attempt to get your financial information as well. This poster has been permanently banned.

Hummingbird only makes you do that affidavit if you can't or don't want to pay by paypal or (get this) *credit card*. You can also use a debit card.

[Members, be sure to cross-check whether your state bankruptcy court accepts this credit counseling agency at http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm . Five states I checked at random (CA, KS, MO, NY, and OH) do *NOT* list this agency and won't accept certificates from them. -lrprn, forum moderator]

I did www.debtor-ed.com . It was very easy, and online. They sent the results right to me and to my atty. It did take a few hours though. And, I have a copy of my budget from them to!

After seeing lrprn's modification of the posts above, I felt compelled to upgrade from lurker to active status on these boards. This thread is about 'Debtor Education' not 'Credit Counciling"

Irprn's link is for credit counsilors so it makes sense that some of the debtor education providors would not be listed on the Credit Counciling list (although some companies offer both)

For a list of Debtor Educators - go to this USDOJ link (ignore Irprn's link or you'll take the wrong class)

http://www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm

For an explanation of the two different programs go here:
http://www.usdoj.gov/ust/eo/bapcpa/ccde/docs/FTC_Consumer_AlertCC.pdf

Also, to correct Irprn's insertion above www.debtor-ed.com IS an approved providor of debtor education although they seem to be kind of expensive. I don't know about the other post Irprn edited since it was deleted, but I assume that one was approved as well since Irprn is going off of the wrong list.

There are a lot of providers at http://www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm for each state - There are a few under $20 and they all seem to have the same features (can complete online, they email certificates to you and your lawyer, etc.) The cheapest seems to be $15.95

do you have to have a case # to proceed with this course from bk court?

MonkeyHands, if you read what I posted carefully, I said that the DOJ does not approve the poster's agency for the mandatory pre-filing bankruptcy certificate for credit counseling.

I stand by my original posting.

This thread is about 'Debtor Education' not 'Credit Counciling" And our members turned it into a credit counseling discussion, not debtor education. Read the whole thread.

Also, to correct Irprn's insertion above debtor-ed.com IS an approved providor of debtor education although they seem to be kind of expensive. But DebtorEd CANNOT BE USED FOR THE PRE-FILING CREDIT COUNSELING CERTIFICATE. They are NOT approved by the DOJ for that - only to give debtor education. Debtor education has NOTHING to do with filing bankruptcy.

do you have to have a case # to proceed with this course from bk court? GLC, debt management courses have nothing to do with bankruptcy. A debtor takes a debt management course to try to sort out their debt problems insetead of filing bankruptcy.

Don't be fooled into thinking that taking a debt management course is the same as taking the required pre-filing credit counseling course that must be one approved by the DOJ - it isn't. The confusion comes in when agencies offer both types of courses. But only the DOJ-approved credit counseling courses can be used to meet the requirement for credit counseling before filing bankruptcy.

Irprn,

I reread the posts and both courses are discussed, but the thread is mainly centered around debtor education. I think you're confused. Chapter 7 filers have to file TWO certificates.

1. Pre-filing credit counsiling - what you are talking about
2. Pre-discharge 'debt education' also called financial management course for debtors. You HAVE to have a certificate from this course in order for your debts to be discharged.

I see you filed chapter 13 so maybe that doesn't require both courses (I don't know for sure, but I think you do have to take it eventually too. You just have longer to take it). You shouldn't be misleading people filing Chapter 7 by telling them the REQUIRED debtor education course has nothing to do with bankruptcy. I think there are a lot of self filers on here and they could really get hosed if they neglect this requirement. Check out this PDF if you didn't from my first post. Explains why you need both. (Note this comes from the USDOJ website)

http://www.usdoj.gov/ust/eo/bapcpa/ccde/docs/FTC_Consumer_AlertCC.pdf

GLC, yes you do need a bankruptcy case number in order to complete the debtor education course. The certificate you are issued has to have your case number filled in in order for it to be valid.

Irprn,

some more links supporting my case:

http://www.¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿/2007/09/02/bankruptcy-basics-what-is-debtor-education-aka-financial-management-course/

http://www.legalhelpers.com/bankruptcy-articles/brc-articles-debtor-education.html

I think you're confused. Chapter 7 filers have to file TWO certificates. I'm well aware that the current bankruptcy law requires all bankruptcy filers to complete two education courses when they file Ch 7 or Ch 13 - one PRE-filing credit counseling course approved by the DOJ for the filer's state and one POST-filing, PRE-DISCHARGE financial management course also approved by the DOJ for the filer's state.

All I've said from the start is that the originally posted site does not meet DOJ requirements for PRE-FILING certificates. I haven't said a thing about POST-FILING, PRE-DISCHARGE certificates.

We're dealing with semantics confusion here. The DOJ calls the post-filing, pre-discharge course a financial education course. You call it a debtor education course. It's easy to get these confused with all the different terms flowing around bankruptcy and non-bankruptcy credit counseling and debt management courses.

Are we straight now?

See my response to you at http://www.bkforum.com/showthread.php?p=107745#post107745. I've only mentioned PRE-FILING certificates. You're talking about POST-FILING, PRE-DISCHARGE certificates. You're comparing apples and oranges here.

The pre-filing debtor education can be done anytime within 180 days before you file. Must be done before you file, as you need to attach the certificate of completion to your bk forms when you file.

The post-filing financial mgt course can be done anytime after you file, but no later than 45 days after your 341 meeting. Failure to do so will prevent issuance of your discharge. You must get your bk case # before taking this course. The certificate needs to be filed by the above deadline, in other words, before the deadline for objections (60 days after the 341).

The post-filing financial mgt course can be done anytime after you file, but no later than 45 days after your 341 meeting. Failure to do so will prevent issuance of your discharge. You must get your bk case # before taking this course. The certificate needs to be filed by the above deadline, in other words, before the deadline for objections (60 days after the 341). This is true for Ch 7.

Ch 13 filers have to take the second post-filing financial management course sometime before discharge - could be years into their plan. There's no day limit for Ch 13.

See my response to you at http://www.bkforum.com/showthread.php?p=107745#post107745. I've only mentioned PRE-FILING certificates. You're talking about POST-FILING, PRE-DISCHARGE certificates. You're comparing apples and oranges here.

I know you are talking about PRE-filing only in your posts.

My point is that editing someone's post about a site offering POST-filing classes to tell everyone that the site listed is not approved to offer PRE-filing classes is misleading and confusing.

The title of this thread is Debtor Education (which is what the USDOJ calls the POST-filing class)

Anyway, in regard to the POST-FILING DEBTOR EDUCATION CLASS (pre-discharge) The following are some cheap online classes:

www.a1education.net - $15.95
www.advantageclass.com - $17.50
http://www.personalfinanceeducation.com - $25.00

They seem to all work the same - pretty much how you would expect an online course to work. You log in, take the class, and they email you a pdf of your certificate (or they will mail or fax it to you). Most of them will send a copy to your lawyer (I know A1 Education does, but I bet the other two about do as well.)

If you find one with really good content or a cheaper one. Post about it here.

My point is that editing someone's post about a site offering POST-filing classes to tell everyone that the site listed is not approved to offer PRE-filing classes is misleading and confusing. MonkeyHands, this is forum post #4 for you. It's post #3,470 for me. You've been here a few days. I've been here reading nearly every single post by thousands of members for 18 months. Who do you think knows more about how our members react to these kinds of posts, especially when there's so much confusion about how these courses are named between agencies? (Hint - it isn't you.)

And many thanks for posting the less expensive POST-FILING required debtor education aka financial management classes - our members will appreciate that.

I just finished the Credit Counseling (Before Filing) class from CFEFA (www.cfefa.org)

It took maybe 15 minutes... you fill out a couple of forms, put in your income and current spending, throw in some creditors, balances & monthly payments. You then have to upload scans (or snail mail them copies) of your Drivers License, SS Card and your last couple of pay stubs. They say they need these to verify the information you provided them with... and thats about it really...

It was $35 for both my wife and I.

They only offer the Personal Finance Management Class (Post Filing) for the State of Alabama... that class through them is $15

Does any of these companys mail the Certificate. i dont have printer and i need it fast to get it to the courts.

Does any of these companys mail the Certificate. i dont have printer and i need it fast to get it to the courts. All of the credit counseling and debt management agencies will "snail mail" certificates but it's going to take time - at least a week.

If you need the certificate faster than that, then if you have an email account (and I assume you do since you post here), tell the agency to email you an electronic copy of your certificate. Visit a friend or family member with online access and a printer, or call the public library or local Internet 'hot spots' and find one with public-access computers and printers. Go there and log into your online email account.

Once you're in your email account, you can forward the email with the certificate attached directly to your lawyer's email address so he/she can print it out in the office. If your lawyer is in the stone age and doesn't do email, or if you are flinig pro se, open the certificate, then print it using the friend/family member/public-access printer. It might cost you a few cents to do that if you use the library or 'hot spot', but you'll have the printed copy in hand that way.

All of the credit counseling and debt management agencies will "snail mail" certificates but it's going to take time - at least a week.

If you need the certificate faster than that, then if you have an email account (and I assume you do since you post here), tell the agency to email you an electronic copy of your certificate. Visit a friend or family member with online access and a printer, or call the public library or local Internet 'hot spots' and find one with public-access computers and printers. Go there and log into your online email account.

Once you're in your email account, you can forward the email with the certificate attached directly to your lawyer's email address so he/she can print it out in the office. If your lawyer is in the stone age and doesn't do email, or if you are flinig pro se, open the certificate, then print it using the friend/family member/public-access printer. It might cost you a few cents to do that if you use the library or 'hot spot', but you'll have the printed copy in hand that way.thanks.

www.freshstartonline.org is the one I used. Someone suggested it to me from Legal Assistance and believe me, they were worth it. If you are having financial problems, they may even waive the fee depending on your situation. Check it out.

They e-mailed it to me and I waited until I was at the job and opened the e-mail and printed it myself.

Any idea on simple and FAST services? Obviously it looksl like doing it online is the way to go. Any favs? I have two in mind but I don't want to byas anyone's views. I might do one and my wife might do another if we dont' end up agreeing (that's probably how we got in this spot in the first place!) THen we'll post and let you know how it went.


MAKE SURE THE SERVICE IS APPROVED IN YOUR FILING JURISDICTION (BY THE UST - OR IT IS NO GOOD AND YOU MUST USE IT W/IN 6 MO). I DO NOT ADD SURCHARGES. OURS ARE $50 EACH AND OUR VENDORS ARE OPEN 24/7. THE PREPETITION IS IMMEDIATE OVER THE INTERNET. THE OTHER, WE ORDER YOU A BOOK AND A TEST. REMEMBER, THE SECOND ON MUST BE PASSED, AND FILED WITH THE CT W/IN 45 DAYS OF YOUR 1ST 341 (SCHEDUALED) MEETING.

interesting - www.debtor-ed.com says they are approved for my state however this is not true. Definately cross check your state's bk website & the us trustee website, against any orgs that say they are approved in your state.

I used www.startfreshtoday.com for both the pre- and post-certification courses. The total charge was $69 for both and they sent me pdf copies of the certificates by email within 24 hours (actually less than that) of completing the course. It was pretty painless.

I actually was given something similar to what you have posted here from the bankruptcy helpdesk in Illinois where I filed. They helped me so much that once I told them I was filing pro se and that I was going through the bankruptcy clerks office, I was given both classes free and not only that, but the bankruptcy clerks allowed me to pay the filing fee in installments. It was so easy and stress free that I could not believe it. To this date, I still can not believe that I am out from under all that financial stress. Somehow I keep wondering if this was all too good to be true and that somewhere in the future it will come back to haunt me.

I just finished the Credit Counseling (Before Filing) class from CFEFA (www.cfefa.org)

It took maybe 15 minutes... you fill out a couple of forms, put in your income and current spending, throw in some creditors, balances & monthly payments. You then have to upload scans (or snail mail them copies) of your Drivers License, SS Card and your last couple of pay stubs. They say they need these to verify the information you provided them with... and thats about it really...

It was $35 for both my wife and I.

They only offer the Personal Finance Management Class (Post Filing) for the State of Alabama... that class through them is $15

I just took the pre-filing class through CFEFA and it was also $35 for both my wife and I. It LOOKS like it's valid in almost all states but it is worth checking before you try. (I checked the list for my district.)

You can check here: U.S. Department of Justice U.S. Trustee Program Approved Debtor Education Providers Link (http://www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm)

The fee is the last thing they collect and the most painful part was providing copies of ID and paystubs. I was able to upload mine and they also accept faxes and copies by mail.

I think there's some confusion about the post-filing class. I've read carefully and it looks like you can watch a video on-line in all states where they're approved. Only Alabama residents can choose the option to attend a class or have a DVD mailed to them.

The post-filing on-line class is only $15 for a couple so it's very inexpensive. If I have any trouble using the class, or find out I'm wrong about the states it's valid in, I'll come back here and edit my message so there's no misleading information. Again, it looks like the only Alabama requirement is those who wish to receive a DVD in the mail.

We used:
InCharge Education Foundation, Inc. www.inchargefoundation.org
Main Address:
2101 Park Center Drive
Suite 310
Orlando, FL 32835
866-729-0049


Delivery Method:

Internet/Telephone: www.personalfinanceeducation.com / 1-866-729-0049
English and Spanish

It cost us $30 for BOTH, which was pretty reasonable I thought - did it online.

Not sure about the 2nd course - any good thoughts/suggestions on this?

I just took the www.cfefa.org post-filing class last night. It was $15 and I had to sit through a two and a half hour streaming video on my computer. Decent video but just your basic how to spend your spend money kind of thing and introductions about different types of loans and credit. The system required you to watch the WHOLE video and would give you a code every 30 minutes or so. You collect six codes and enter them after the video then they email you a pdf certificate. The video had to be watched in its entirety to get all the codes. No fast-forward, or re-wind.

I took the www.cfefa.org pre-filing course too and it was also not bad. I think it was $35. So I'm out $50 total for both course....not bad.

We did the post-filing class at www.hummingbird.com over the weekend. Same as www.cfefa.org... A 2 hour video, and a code word would pop up every 30 mins. You are asked to enter those code words at the end of the video, a long with short (10 questions I think) quiz. Pretty easy stuff. $38 total for me and my DH.

My lawyer is registered with them so he downloads the cert for us and gets it filed.

How do we know which online courses are approved by our state/area/trustee & which are not?

I've been looking around and cannot find where I can check that online.

FYI .. I think I found it but not sure:
http://www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm

anyone else ... please do correct me if I'm wrong.

We did ours at:
http://www.cccsatl.org/index.asp?_method=view&sc=43&cn=2220&md=BKEDbegin

Very direct and unstandable. Easy system to navigate. Easy payment system. The fee of $50 covered both myself and my wife.

UAC

Well in our office WE dont normally charge the client.. we have them do it in our office, and guide them also. Its all self explanatory however some people are really something. hehehe Normal price should be about 30 bucks! BUt we offer free.

I also did the post-course at www.a24-7class.com and it was only $17.50 and VERY easy... VERY VERY easy.
They emailed my certificate of completion to me and my lawyer.

I did mine here: http://www.yourbankruptcypartner.com/postfiling_education/

Fast, online, got the certificate emailed as PDF as soon as I was done.

Some Offices dont charge u at all. Its like basically come with the payment u made to them. and it was not easy question. but u can always go back and write or remember which one u commit the mistake on. usually u can do it at the office and have them help u also or do it in ur own house.

Do you have to do the post filing course with the same company you did the pre filing counseling? I'm asking because I was not very happy with the company that I went with. It wasn't the counselors, but the company itself; they took a double payment from my checking account, sending me into the negative and then blamed me for it, saying I must have done something to cause it :dry:. Then they refused to refund me the amount they'd taken, even after they agreed that it was in fact their fault and would pay the bank fees.

I ended up having to dispute the charge because I used my debit card to pay for it. At least my bank was nice enough to waive the fees for me.

Do you have to do the post filing course with the same company you did the pre filing counseling?

No. I used two diff't companies.

does anyone have a discount or promo code for incharge.org?

nevermind. i contacted incharge and a representative gave me a code to finish my certificate for free. i am very grateful.

Can I take the education coures on my own without a lawyer because my lawyer says the 2 courses will cost me $264 and im doing some research and im finding they only cost $50. What should I do?

Negotiate with the lawyer - tell him that you will take the courses on your own and provide the certificates. He needs to take out that $264 from his fee since he will not have to provide anything to you.

Thank you

I just did the www.cfefa.org pre bankruptcy test, and have not received the certificate. How long does it take to get? I have check both my email and on there website were it should be where my progress section is. Anyone know how long it takes to get the certificate? thanks

I got mine within minutes emailed to me. The debtors education certificate which is the last one you need usually takes about 24-48 hours to be emailed to you. You should call the place where you did it.

I used 50-30-20 MoneyPlan and it was $14.95. I got my certificate emailed to me within an hour, although the website states it will be within 3 hours (if it is completed prior to a certain time deadline). I checked all the authorized providers in my district (Northern District of CA) and found one that was reasonably priced.

Question: I filed Pro Se so I am going to file the B23 form stating I completed my Financial Mgmt course, but it says not to attach the certificate. Do I file the certificate separately? And if so, will I need a cover sheet? Thanks in advance.

My Lawyer just got my debt management course certificate and actually called me to say kudos for finding one on my own that was so cheap ($14.95). I took it through 50-30-20.com, an approved US Trustees agency. :D:D

Wanted to add that we did our post-filing education today and it was really simple. Finished in a short period of time and all info we really already knew but was fine reading it over again. Cost was $35 for both me & my DH so it was a good price. We went through Sage (www.sagepf.com).

I used the Dave Ramsey online material for the 2nd course and I thought it was pretty good. I actually learned some stuff and would highly recommend it for anyone.

I recommend Hummingbird to many of my clients. They have found it pretty user friendly.

We used In Charge Education Foundation for both our pre-filing and post-filing classes.

The pre-filing course cost us $30 for both of us and the post-filing course cost us $25 for both of us.

The courses were really easy, although the pre-filing course requires filling in alot of financial information.


Here's a link for anyone interested.
http://personalfinanceeducation.com/

I see a couple of people listed 50-30-20 and I was wondering how their experience was? I received a postcard in the mail today from them out of the blue which I thought was a little sleezy (they must check the bankruptcy filings daily) but I gotta admit, their price has me intrigued. If you used them can you tell me:

1) How was the actual 'course'? Was it watching a movie, reading and filling out forms or how was the material presented?

2) How long did the course actually take?

3) Any problems with your lawyer getting the certificate or any issues at all?

4) Would you recommend them?

Thanks in advance. I tried to do a forum search but nothing came up (which is weird because I see a few posts above with 50-30-20 in the post).

I see a couple of people listed 50-30-20 and I was wondering how their experience was? I received a postcard in the mail today from them out of the blue which I thought was a little sleezy (they must check the bankruptcy filings daily) but I gotta admit, their price has me intrigued. If you used them can you tell me:

1) How was the actual 'course'? Was it watching a movie, reading and filling out forms or how was the material presented?

2) How long did the course actually take?

3) Any problems with your lawyer getting the certificate or any issues at all?

4) Would you recommend them?

Thanks in advance. I tried to do a forum search but nothing came up (which is weird because I see a few posts above with 50-30-20 in the post).


I used 50-30-20 yesterday to complete my post-bk class. The price is what got me, so I gave it a try.

Because 2 hours of financial counseling is needed, every page is timed, and you can't advance until the time is up (usually about 1 1/2 to 2 mins per page). I did it at work, and because it didn't take me that long to read the page, I just read it, did some work, then came back to the page and clicked the advance button :blush2:

I said it would take 3 hours to get my certificate, but I got it in 20 mins. They also emailed a copy to my atty as a courtesy.

Hope this helps!

I think we're going to try the 50-30-20 also. The price looks really good and we need something cheap right now.

My lawyer's office uses www.cinlegal.com I didn't have to pay for it separately. It as included in my lawyer's fee.

I bit the bullet and also used 50-30-20. They stated they emailed a copy to my lawyer, but I also emailed him one, just to be on the safe side. I got my certificate in about 10 minutes after completing. The material was ok but definitely lacked panache. For the price, gotta say it was a good deal

50-30-20 seems to be only for post filing. Does anybody know of a cheap or perhaps free service for pre-filing?

We used Incharge

http://www.personalfinanceeducation.com/Default.aspx

$30 pre > $25 Post

Just used 50-30-20 too. Pretty easy, but you do have to sit through a min of 2 hours of info (they have a timer set on each page). It's a great deal at $14.95 and got my certificate instantly :)

Just did the www.cfefa.org class, not too bad and only 15.00 TOTAL for a joint filing.

We used InCharge Finance for both pre ($30) and post ($25) filing courses.
Both courses were fairly easy to use and InCharge will also fax or email a copy to your attorney.

The pre-filing course took about an hour to take plus another 15 minutes for the phone follow up. The phone counselor (who by the way was very polite and professional) just asked us simple questions like "What was the most helpful part of the course?" and "What portion of the course will you utilize in the future?" As soon as he verified both of our identities and concluded the call, we had our certificates in our inbox within a minute.

The post-filing course took a little longer to do because you are required to take the course in a minumum of 2 hrs and had more assessments to take. The assessments were no biggie - just pay attention to the tutorials and you will pass. Otherwise, if you don't pass, you can re-take the assessment as many times until you obtain a passing score. Make sure you don't take this course at the last minute because it takes 1-2 business days to receive your certificate in your email.

We just used personalfinanceeducation.com (InCharge) for the pre-filing course. We took it online, then had to call in for a consult that took about 10 minutes. I got a lot of good information. It was $30 for joint course. We received the certificates via e-mail a few minutes after we got off the phone. Oh, and they're open until 11 pm - pretty convenient.

We did two, and the second one was a two hour long course and you had to do two hours worth and respond to the questions. I was not sure when to do them, so we did them both and still have our 341 on tuesday. I hope that is okay?

I would like to know that please.

Thanks

I'm actually doing the 50-30-20 right now, LOL! It just takes me like 20 seconds to read the page, but I have to wait until the timer is up before advancing to the next page, grrrrr.
Just used 50-30-20 too. Pretty easy, but you do have to sit through a min of 2 hours of info (they have a timer set on each page). It's a great deal at $14.95 and got my certificate instantly :)

We used http://www.debt-foundation.org/ today. It was simple.

The CCC I have used is $25 and is available to all states except Alabama and North Carolina. It's abacus.org and it is very easy to use. Online courses are all pretty easy and self explanatory. These courses usually take less than an hour to finish.