One More Question: Mandatory Classes?

[JenR]

If filing ch13, do you have to do the credit counseling & debt management classes that are required with a ch 7?

[HHM]

Yes

[JenR]

can they be done online?

[optimistic1]

Sure,

Go to this link, and use this only, do not try and google it instead.

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

Select your state, and it will give you a list, then go to their website.

Shop around, some are way cheaper than others, just research it.

[lrprn]

Also some lawyers include the cost of the pre-filing and post-filing required courses in their retainer fees.

As Optimistic noted, you must be absolutely certain that whatever course provider agency you choose is on the lists approved by your state.

You can find the approved pre-filing credit counseling course agencies list at http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm

The approved post-filing personal financial management (debtor education) course agencies list is at http://www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm

[indebt00]

our lawyer gave us info of who to use and they automatically emailed him the cert of completion. it was simple

[optimistic1]

right, thats what mine did, they printed out a sheet with multiple choices of online providers.

[walkthaplank]

I got this site from somebody on this forum. It is COMPLETELY online and FREE!

http://consumerbankruptcycounseling.info/

It is only good for California, but I see that it fits for you.

[justbroke]

I found the post-petition (pre-discharge) Debtor education, complete and utterly useless for me. It was so repetitive on absolutely everything I already know. However, it is required, so I had to spend the 3 hours doing it. Took me about 3 hours over the course of 2 consecutive evenings. Just received my certificate this week via e-mail, and promptly placed it in the mail.

Totally useless if you ask me. I'm sure it's good for many people, but I already understood the materials. I even found mistakes in the material (spelling errors, wrong use of a word, like "except" vs "accept") which turned me off. Not that I'm some expert linguist or anything.

I'm also a speed reader, and they stated you must spend at least 9 seconds on each "slide" in the course. Well, one slide contained approximately 4 words. I read the slide in 0.5 seconds. After getting through a whole section, I had to go back and "read" that slide for 9 whole seconds. Really dumb stuff. Also, I scored 100% on the quizzes. Just boring.

Okay, I guess you now know that I wasn't happy taking this dumb course because Congress thinks we all need "debtor" education, so they have TWO classes.

[BkinTX]

We are ch 7 but we also had problems with the 2nd class. We called after completion and were told to call back again later since we got through it too quickly. Had to pretend it took longer.

[indebt00]

I found the post-petition (pre-discharge) Debtor education, complete and utterly useless for me. It was so repetitive on absolutely everything I already know. However, it is required, so I had to spend the 3 hours doing it. Took me about 3 hours over the course of 2 consecutive evenings. Just received my certificate this week via e-mail, and promptly placed it in the mail.

Totally useless if you ask me. I'm sure it's good for many people, but I already understood the materials. I even found mistakes in the material (spelling errors, wrong use of a word, like "except" vs "accept") which turned me off. Not that I'm some expert linguist or anything.

I'm also a speed reader, and they stated you must spend at least 9 seconds on each "slide" in the course. Well, one slide contained approximately 4 words. I read the slide in 0.5 seconds. After getting through a whole section, I had to go back and "read" that slide for 9 whole seconds. Really dumb stuff. Also, I scored 100% on the quizzes. Just boring.

Okay, I guess you now know that I wasn't happy taking this dumb course because Congress thinks we all need "debtor" education, so they have TWO classes.

I thought the pre-bk info was useless to be honest. I mean really...your trying to tell me about debt management now? did you really not think that being in bk was the last resort
its funny that Congress thought this would be helpful