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Credit Counseling Pre-Chapter 13

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    Credit Counseling Pre-Chapter 13

    Can anyone suggest a company to use online. I need to have this in hand asap. I don't mind paying a fee if I can get the course done quickly.

    #2
    We used www.hummingbird.com. First part is online, then the 2nd is a quick phone conversation with a counselor.
    Filed Ch 7 - 07/10/08
    341 Meeting - 08/13/08
    DISCHARGED! - 10/15/08
    CLOSED - 10/20/08

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      #3
      Originally posted by tpod View Post
      Can anyone suggest a company to use online. I need to have this in hand asap. I don't mind paying a fee if I can get the course done quickly.
      I don't think anything is 'free' these days. http://www.freshstartonline.org
      online & phone call(to get the certificate).

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        #4
        We help consumers create, restore, and maintain a life of financial wellness through empowered choices. Our nonprofit programs are designed to educate, motivate, and liberate. Debt issues? Foreclosure concerns? Overwhelming student loans? We offer confidential, empathetic solutions.

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          #5
          Just make sure that the credit counseling place you use is accepted in your locale. You can usually find this out through your trustees website. My lawyer gave me a list of places that were acceptable to the Southern Ohio district trustee.
          Filed CH 13 September 17, 2007
          Plan Modified July 8, 2009 from $1100/month to $400/month due to change in income, finally discharged in July of 2013!

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            #6
            Here's the list of the approved BEFORE-FILING credit counseling course providers by state - http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm

            And here's the list of the approved AFTER-FILING debtor education/personal financial management course providers by state - http://www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm
            I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

            06/01/06 - Filed Ch 13
            06/28/06 - 341 Meeting
            07/18/06 - Confirmation Hearing - not confirmed, 3 objections
            10/05/06 - Hearing to resolve 2 trustee objections
            01/24/07 - Judge dismisses mortgage company objection
            09/27/07 - Confirmed at last!
            06/10/11 - Trustee confirms all payments made
            08/10/11 - DISCHARGED !

            10/02/11 - CASE CLOSED
            Countdown: 60 months paid, 0 months to go

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