top Ad Widget

Collapse

Announcement

Collapse
No announcement yet.

Prebankruptcy Class What a Joke

Collapse
X
Collapse
 
  • Page of 1
  • Filter
  • Time
  • Show
Clear All
new posts
Previous template Next
    #1

    Prebankruptcy Class What a Joke

    I just finished the Pre BK class this afternoon and and the last part of the one on one with a counseler I belive was to last half an hour. I went it the dude looked over the five sheets of paper I had through two in the waste basket, kept the other three and printed out my certificates. I was out of there in 6 minutes. However long the first session was to last i cant remember but I was in the group session about thirtty minutes. then they say I have one more class that cost 50 bucks before I go to court.
    I think its just a money racket. anyone else have the same experience?
    Thanks,

    Chris
    Tags: None
    #2
    You said it! Just wait till you have to do the post 341 class! Just keep your eyes on the prize and you'll be fine...
    My credit scores:
    Before Filing: Tr 496, Ex 496, Eq 507

    Today: Tr 618 (+122), Ex 601 (+105), Eq 623 (+116)

    Comment

      #3
      We never even actually talked to anyone for ours. All done online. There was no actual counseling done for the pre BK Cert. We had already done a couseling session for a professional analysis of our financial situation. They already knew we were in trouble so why bother.

      From reports on here, pre BK Cert counseling must be getting less and less. When this all started with the New Law, the Counseling Agencies did try. Then more and more people started streaming in. The Counseling Agencies aren't set up to handle the work load. Now, you give them $50 and they give you a "stamp of approval".
      Filed Ch 7 - 09/06
      Discharged - 12/2006
      Officially Declared No Asset - 03/2007
      Closed - 04/2007

      I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

      Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

      Comment

        #4
        Originally posted by SinkingFast
        We never even actually talked to anyone for ours. All done online. There was no actual counseling done for the pre BK Cert. We had already done a couseling session for a professional analysis of our financial situation. They already knew we were in trouble so why bother.

        From reports on here, pre BK Cert counseling must be getting less and less. When this all started with the New Law, the Counseling Agencies did try. Then more and more people started streaming in. The Counseling Agencies aren't set up to handle the work load. Now, you give them $50 and they give you a "stamp of approval".
        Doint them on line is cheaper $35 Pre and $25 Post
        My credit scores:
        Before Filing: Tr 496, Ex 496, Eq 507

        Today: Tr 618 (+122), Ex 601 (+105), Eq 623 (+116)

        Comment

          #5
          Whoa!!!! What are all these classes everyone is talking about???? I went into the credit counseling place with all my bills and they looked at me and said "so how do you feel about bankruptcy, because there's no way you are going to pay all this off"? Followed by, "When you find an attorney, go ahead and let us know and we'll fax him over the certificate". I had zero classes.

          ETA: They also didn't charge me for it because the lady said I was so far in the hole with my medical bills....there was no point in her charging me.
          Filed 07/14/2006
          341 Meeting 08/11/2006
          Deadline to Object 10/10/2006
          Discharged 10/17/2006

          Comment

            #6
            Originally posted by Danielle1981
            Whoa!!!! What are all these classes everyone is talking about???? I went into the credit counseling place with all my bills and they looked at me and said "so how do you feel about bankruptcy, because there's no way you are going to pay all this off"? Followed by, "When you find an attorney, go ahead and let us know and we'll fax him over the certificate". I had zero classes.

            ETA: They also didn't charge me for it because the lady said I was so far in the hole with my medical bills....there was no point in her charging me.
            Before you can actually file you need to take a pre-bk calls, and before you can be discharged you must take a post bk-class. If you are filing with a lawyer, he/ she should have a list of companies that offer the classes.
            My credit scores:
            Before Filing: Tr 496, Ex 496, Eq 507

            Today: Tr 618 (+122), Ex 601 (+105), Eq 623 (+116)

            Comment

              #7
              Originally posted by NASCAR20FAN
              Doint them on line is cheaper $35 Pre and $25 Post
              We went with CCCS of Atlanta. We had them run a professional financial opinion for us first. They told us they couldn't help us. So when we needed the pre-BK Certs, we just went back to them. Because they already had all our info.

              The fee wasn't $50 each. It was $50 for both of us. I think they charged individuals a bit more/person for the Cert and we got a "package" deal for filing joint.
              Filed Ch 7 - 09/06
              Discharged - 12/2006
              Officially Declared No Asset - 03/2007
              Closed - 04/2007

              I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

              Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

              Comment

                #8
                They didn't charge me for a pre-bk certificate....but I have one.

                I have to go get a post bk one?
                Filed 07/14/2006
                341 Meeting 08/11/2006
                Deadline to Object 10/10/2006
                Discharged 10/17/2006

                Comment

                  #9
                  Originally posted by Danielle1981
                  They didn't charge me for a pre-bk certificate....but I have one.

                  I have to go get a post bk one?
                  Yup...
                  My credit scores:
                  Before Filing: Tr 496, Ex 496, Eq 507

                  Today: Tr 618 (+122), Ex 601 (+105), Eq 623 (+116)

                  Comment

                    #10
                    grrrrrrrrrreat........
                    Filed 07/14/2006
                    341 Meeting 08/11/2006
                    Deadline to Object 10/10/2006
                    Discharged 10/17/2006

                    Comment

                      #11
                      LOL.....hope it was as informative as the first one....the one where I walked in and looked at my finances and said here's a bk certificate you have no hope.....have a nice day by the way....
                      Filed 07/14/2006
                      341 Meeting 08/11/2006
                      Deadline to Object 10/10/2006
                      Discharged 10/17/2006

                      Comment

                        #12
                        Originally posted by NASCAR20FAN
                        You said it! Just wait till you have to do the post 341 class! Just keep your eyes on the prize and you'll be fine...

                        Hey Nascar, what is the post BK class like? If its like the other two Ill basically sign in pay 50 bucks walk out. I just wished my lawyer was that
                        cheap LOL..... but he does let me pay him out in three or four payments.
                        I used compass of carolina for the classes and being that the office is spitting distance from the house I will take the post BK there as well.
                        They are very friendly there and the girls are cute too but they have the upper hand they know Im broke LOL
                        Thanks,

                        Chris

                        Comment

                          #13
                          Originally posted by ICEHOUSE



                          Hey Nascar, what is the post BK class like? If its like the other two Ill basically sign in pay 50 bucks walk out. I just wished my lawyer was that
                          cheap LOL..... but he does let me pay him out in three or four payments.
                          I used compass of carolina for the classes and being that the office is spitting distance from the house I will take the post BK there as well.
                          They are very friendly there and the girls are cute too but they have the upper hand they know Im broke LOL
                          The 2nd class needs to be completed within 60 days of the completion of your 341 meeting. The questions mainly deal with how to handle credit. Ans the tests are scored (80%) is required to pass each section.
                          My credit scores:
                          Before Filing: Tr 496, Ex 496, Eq 507

                          Today: Tr 618 (+122), Ex 601 (+105), Eq 623 (+116)

                          Comment

                          Previous template Next

                          bottom Ad Widget

                          Collapse
                          Working...
                          X