How many credit counceling sessions needed

[klandsb]

I have had a brain freeze .... When & how many credit counceling session do you need.
I did 1 so far and gave the certificate to the lawyer. My 341 is completed ..Next is confirmation hearing in March...
Do I need to do another now ????

[AngelinaCatHub]

You will need another before discharge. I speak only for 7 and don't know a lot on 13. We escaped 13 and have a complete new start. The first one is to determine your bk need, and really isn't a good course. The second one which we took online was just great. DW and I really enjoyed it and did learn a lot. It was $35 for both of us. 'Hub

[sofarsogood2]

You'll need the pre discharge course. Check online or ask attny. Cost- about $35 for 2 persons.

Some are better than others. First one we tried to take (don't recall the company, but it was a well known one) stunk. You had to get 100% on each quiz or you couldn't move forward- and they didn't tell you what you got wrong, and the answers were not clear in the reading. Very frustrating! ( I'm no genius, but was always a straight A student). Canceled that one, complained, got our money back, and went with another. Whipped thru that one no problem.

The courses vary greatly- just know you can try another.

Best wishes.

[becky20]

I hadn't even thought about this - so if you do one before filing, then for a 13 you just have to do one more at the end before discharge? So, in 5 years?

[sofarsogood2]

If memory serves me correct, I think I did mine right after my 341- so I wouldn't forget.
Also, in my district there is a form LF-97 that must be filed out after your last payment. They won't discharge you without it. The form is available on the trustee's website. Don't know if that is just a local thing or not. Its a simple form, but they must have it to discharge.

[lrprn]

Most Ch 13 trustees will notify you annually by snail-mail letter that your post-filing debtor education course has not yet been completed. Although technically by law you have until the end of your plan to do it, our attorney said to go ahead and complete it after our confirmation so the box gets checked off and we wouldn't have to hassle with it later. We followed that advice.

Just be sure that whatever post-filing, pre-discharge personal financial management (debtor education) course you take, it's one that's been approved by your state - you can get that list here - http://www.justice.gov/ust/eo/bapcpa...e_approved.htm