We have our application in to EOUST and expect to be approved in Region
2 as a Credit Counselor (not later than 270 days).
Check out our Means Test
ALL filers must complete parts I, II, III, and VII of the B22 form and
MUST submit a B22A form for Chapter 7 or a B22C Form for Chapter 13. In
other words, the means test is required for EVERYONE even if you are
under the median. If you are over the median you must complete the
WHOLE test and file Chapter 13.
Our program takes your input and automatically generates a B22A for
printing. There is no charge to use our test. Once we are approved as a
Credit Counselor there will be a charge only in our region, and the
charge for the briefing and the test will be approved by the UST in
compliance with a "reasonable fee".
There will be MANY revisions of this program over the next couple of
weeks.
Once our test is completely finished it will be in FULL compliance with
the official form B22. If you are an attorney outside of our region who
is using this form it is up to you to be in compliance with the
ACCURACY of the debtor's income.
In our region we will verify the ACCURACY of the info or the debtor
will not receive a certificate of completion.
The UST is requiring that an adequate briefing be 90 minutes. Many of
the quickie "internet only" programs may be unacceptable. Our
application carefully details a VERY COMPLETE and ADEQUATE briefing.
It will be interesting to see how Credit Counselors will handle the
volume outside their regions. The reason I am saying this is that the
UST made it VERY clear that they will judge the various programs for
their effectiveness and therefore, the "internet only quickie version"
done directly from the Attorney's office may not fly as being adequate
or effective. The debtors might be required to talk to the counselors
by phone or to attend classes. ie: the UST wants a personal touch.
2 as a Credit Counselor (not later than 270 days).
Check out our Means Test
ALL filers must complete parts I, II, III, and VII of the B22 form and
MUST submit a B22A form for Chapter 7 or a B22C Form for Chapter 13. In
other words, the means test is required for EVERYONE even if you are
under the median. If you are over the median you must complete the
WHOLE test and file Chapter 13.
Our program takes your input and automatically generates a B22A for
printing. There is no charge to use our test. Once we are approved as a
Credit Counselor there will be a charge only in our region, and the
charge for the briefing and the test will be approved by the UST in
compliance with a "reasonable fee".
There will be MANY revisions of this program over the next couple of
weeks.
Once our test is completely finished it will be in FULL compliance with
the official form B22. If you are an attorney outside of our region who
is using this form it is up to you to be in compliance with the
ACCURACY of the debtor's income.
In our region we will verify the ACCURACY of the info or the debtor
will not receive a certificate of completion.
The UST is requiring that an adequate briefing be 90 minutes. Many of
the quickie "internet only" programs may be unacceptable. Our
application carefully details a VERY COMPLETE and ADEQUATE briefing.
It will be interesting to see how Credit Counselors will handle the
volume outside their regions. The reason I am saying this is that the
UST made it VERY clear that they will judge the various programs for
their effectiveness and therefore, the "internet only quickie version"
done directly from the Attorney's office may not fly as being adequate
or effective. The debtors might be required to talk to the counselors
by phone or to attend classes. ie: the UST wants a personal touch.
I'll be watching, you may never know when or how, but I'll be there. I am there now....
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