Pre Bankruptcy counseling class?

[BkinTX]

Carrie, I had the same problem with the post-filing class. I finished too fast. When I called to confirm they told me to wait and call back.

Also, as an FYI, the fee for the cc can be waived if you can't afford it.

[jojo]

Mine was actually timed....I read it all, answered the questions, clicked the right buttons...and bingo! It told me I'd completed it too quickly, and I needed to "review" previous sections! It was meant to take at least 60 minutes and I clicky clickied in less than 40 apparently. Silly me lol

Online course, one phone call two days later (for about 3 minutes), certificate emailed within the hour. $30.

That's the second course you have to take. There is the debtor education and there is a counseling course. The second one must take - I thought it was 2 hours (??). Takes 1/2 max, but it is timed and stated you had to do the whole 2 hours (?) to get the certificate. I went and did dishes and folded in between answering questions. Just another bankruptcy punishment.

[jojo]

sounds like a racket! I wonder what company paid which lawmakers to get this little goldmine in the bk laws!

exactly!!

[jennordhavn]

I know YOU used it... that's where I got it! Thanks again!

Oh.....lol. Sorry!

[CarrieOakey]

Mine was actually timed....I read it all, answered the questions, clicked the right buttons...and bingo! It told me I'd completed it too quickly, and I needed to "review" previous sections! It was meant to take at least 60 minutes and I clicky clickied in less than 40 apparently. Silly me lol

Online course, one phone call two days later (for about 3 minutes), certificate emailed within the hour. $30.

[walkthaplank]

I used this same one for FREE. It was quick and easy. Got my certificate via email the same day.

I know YOU used it... that's where I got it! Thanks again!

[jennordhavn]

I used one that is only valid in California that required ZERO interaction. There was NO phone call, all on line. We did it in just over an hour, there was a timer on the top of the page so that they show that you were there for the required time. Had my certs by email the next day. The topper, it was completely free.

If there are any California folk looking for free and easy, here you go!

I used this same one for FREE. It was quick and easy. Got my certificate via email the same day.

[crash]

took my pre bk counseling from greenpathbk.com it was $50.00, i still have to take the pre-discharge counseling test. the first counseling session was pretty easy. I just filled out all of the income and debt information, then I chatted on line with the helper about common sense spending. Then he basically went over a budget plan that I should try to follow. The person also went over other options that I might have been able to do or afford other than bankruptcy. You know, like using coupons, eating out less, smart shopping, and wants vs needs ect. Talking with the on line assistant only took about 5 min. it was pretty pain free.

[BkinTX]

Our class was online. Our lawyer registered us for it. It took maybe 20 minutes. Needed a little general input from us and gave us very common sense information.

Afterward we called the number provided and the guy was very, very nice (thanked DH for his service and me for my sacrifice). That took less than 5 minutes. Certificate was sent to our lawyer asap.

Quick and painless.

[walkthaplank]

I used one that is only valid in California that required ZERO interaction. There was NO phone call, all on line. We did it in just over an hour, there was a timer on the top of the page so that they show that you were there for the required time. Had my certs by email the next day. The topper, it was completely free.

If there are any California folk looking for free and easy, here you go!

[queenfluff]

Mine was super easy. Did it online in 2 hours tops. All I had to do was enter my debts and income. When you call to complete it, they just want to make you understood the course material and than they email you your certificate. Sort of a verification that you took it.. It was recommended by my lawyer so my guess is that it is fulfills the requirements.

[WillinVT]

Never mind, under my "wifes section" everthing was filled out. She is just suppose to read everything. Will be making the call to complete the course either Monday or Tuesday.

[WillinVT]

I'm in the process of finishing up my pre-bankruptcy class at pioneercredit.com . I am hoping to finish it tonight at work before I have to go home because I don't want to do it this weekend. I know I will have to call them at some point, but I just want to get it done and out of the way.

Quick question:

My wife and I are filing together, so we need both need to take the class online. I have been doing my class online by myself and it says that she will need to do it herself as well. Do you know if they will ask her to imput all the same information as me concerning assets, income, debt, ect? She doesn't work and all the debt is mine except some unpaid hospital bills that have gone to collections.

I wonder if it will just pull that information from my course and place it in hers or if there will be an option to click "same as spouse".

Anyone know?

[elstx]

They're easy. Some are only $25.

[jktrading]

They don't forward any information to the trustee or the court. You just do what they say and they give you a certificate. You can make up all the info they request regarding debts and income. There is no verification.

Yep, that's it. Then you or your attorney file it with the court, done!