Which is the fastest/best?

[Toby629]

We be free, you and me. It is over for us and we. We be here, you and I to help others just getting by. Where they are now, we once was, so helping them we surely does. So what we learn hard or sweet, will tell those future discharged, do not repeat.

Heck I didn't know I was that talented? Or, am I?????? LOL. 'Hub

Priceless!

[free2breathe]

EEeeeeyy Toby, when you got it, you got it. Now if you had no hard times you would never know the good times. Life is not fair, our maker never promised that. We all have a fair chance at making a good life by choice.

In that same vain, if you didn't know we had it "made", you would not have known you worked harder. Was it worth it? I'll bet it was......

We be free, you and me. It is over for us and we. We be here, you and I to help others just getting by. Where they are now, we once was, so helping them we surely does. So what we learn hard or sweet, will tell those future discharged, do not repeat.

Heck I didn't know I was that talented? Or, am I?????? LOL. 'Hub

Hub, you make me laugh! Thanks

[tobee43]

EEeeeeyy Toby, when you got it, you got it. Now if you had no hard times you would never know the good times. Life is not fair, our maker never promised that. We all have a fair chance at making a good life by choice.

In that same vain, if you didn't know we had it "made", you would not have known you worked harder. Was it worth it? I'll bet it was......

We be free, you and me. It is over for us and we. We be here, you and I to help others just getting by. Where they are now, we once was, so helping them we surely does. So what we learn hard or sweet, will tell those future discharged, do not repeat.

Heck I didn't know I was that talented? Or, am I?????? LOL. 'Hub

ROFL!!!!!! you are nuttier than me...is that possible???

yes we are indeed...we will in fact, help them succeed...thanks to hub and a few hard slugs........ a poet you are are!!

we have made it and it is a wonderful feeling that must be played forwarded..

[AngelinaCatHub]

Hey, one more Merlot, and I'll be posting right..................................... LOLOL

Seriously, I am so pleased that the OP is working their way to freedom. Our course was SOOOO good. It was worth while to even repeat it but not at $35. Mrs. and I really did enjoy it. We are in FL and I could recommend it, but only by PM. It is the second course. The company was so good and once we finished we called (due to an error message not valid) and when they responded they stated they got the test, the certificates were being emailed at that time and the error message was a fluke they were working on. How cool is that? 'Hub

[AngelinaCatHub]

well this certainly is NOT fair...why did we get the 3 hour test???

we didn't learn anything about money management...although after we were done....some lady got on line and asked if we need food or shelter...i think we came off and were and are so broke it was really sad.

i also wonder if it's based on the total amount of you bk...what your asking the courts to discharge you think...because i THINK I KNOW it wasn't fair that some of you got a 15 minute thingy whist i had to see in front of my computer about payday loans that i never heard of...

not fair!! but then either is life i guess....

EEeeeeyy Toby, when you got it, you got it. Now if you had no hard times you would never know the good times. Life is not fair, our maker never promised that. We all have a fair chance at making a good life by choice.

In that same vain, if you didn't know we had it "made", you would not have known you worked harder. Was it worth it? I'll bet it was......

We be free, you and me. It is over for us and we. We be here, you and I to help others just getting by. Where they are now, we once was, so helping them we surely does. So what we learn hard or sweet, will tell those future discharged, do not repeat.

Heck I didn't know I was that talented? Or, am I?????? LOL. 'Hub

[helpme2010]

Our attorney has given us the option of taking the credit counseling pre-BK class by phone at home or online at home, (love that we can do either at home!). Which way is the quickest and best way to take the class? Thanks!

Take it online, but make sure they have a live counselor/operator you can speak to at anytime during your course. My attorney signed me up for an online one that doesn't charge for the serice. I completed the course and they never sent me a certicate. I kept emailing them asking for the certificate, but no human ever responded. My attorney they paid I think it was $50 out of his pocket for me to take another course. I was able to speak to a live operator when signing up and after the course was complete, a counselor called me and went over a couple wrong answers with me and then asked me if I had additional questions.

They also kept my original pre-bk test on file so it filled in some of the blanks for me and saved me another half hour to an hour of reentering the data.

[tobee43]

Our Debtor Education class online took 115 minutes as well. Each page of the "book" we had to read was on the screen for a minimum of a minute for hubby, and 45 seconds for me as I took the course second. All in all we spent over 4 hours with the reading and answering the test questions. I actually enjoyed the course, because I learned that I have been putting their suggestions in practice for a while now, so I'm well on my way to financial freedom. Also, our DE course was only around $12 and included both of our certificates. It pays to shop around a bit, unless your attorney wants you to take your course from a specific agency.

free yes, our atty suggested ......but it was court approved so we went with it...it was a total of $100!!!!! man o man did i get ripped off even taking this course... bummed out for sure!

[tobee43]

Wow, tobee43, that is a bummer, 3 hours! So glad ours didn't take that long.

your probably cheating like drowning!!!! LOL!!! writing those answers on your palm..i know it!! and it was a total bummer!!!

[free2breathe]

Our Debtor Education class online took 115 minutes as well. Each page of the "book" we had to read was on the screen for a minimum of a minute for hubby, and 45 seconds for me as I took the course second. All in all we spent over 4 hours with the reading and answering the test questions. I actually enjoyed the course, because I learned that I have been putting their suggestions in practice for a while now, so I'm well on my way to financial freedom. Also, our DE course was only around $12 and included both of our certificates. It pays to shop around a bit, unless your attorney wants you to take your course from a specific agency.

[tobee43]

We just finished the online credit counseling, took us over an hour, drowning123 you got off easy (lol)! Whew, just glad it is done, now we are waiting for the attorney to call us to make an appointment for our meeting before filing, YEAH! We just waited soooooo long for this process to begin that we are so thankful it is in full swing now! You guys rock, thanks for being here!

great...you lucky!!! what...?? am i like the ONLY one here with the 3 hour course...

so glad you're done with it!! congrats... you're one step closer!!!

[Toby629]

well this certainly is NOT fair...why did we get the 3 hour test???

we didn't learn anything about money management...although after we were done....some lady got on line and asked if we need food or shelter...i think we came off and were and are so broke it was really sad.

i also wonder if it's based on the total amount of you bk...what your asking the courts to discharge you think...because i THINK I KNOW it wasn't fair that some of you got a 15 minute thingy whist i had to see in front of my computer about payday loans that i never heard of...

not fair!! but then either is life i guess....

Wow, tobee43, that is a bummer, 3 hours! So glad ours didn't take that long.

[Toby629]

We just finished the online credit counseling, took us over an hour, drowning123 you got off easy (lol)! Whew, just glad it is done, now we are waiting for the attorney to call us to make an appointment for our meeting before filing, YEAH! We just waited soooooo long for this process to begin that we are so thankful it is in full swing now! You guys rock, thanks for being here!

[tobee43]

well this certainly is NOT fair...why did we get the 3 hour test???

we didn't learn anything about money management...although after we were done....some lady got on line and asked if we need food or shelter...i think we came off and were and are so broke it was really sad.

i also wonder if it's based on the total amount of you bk...what your asking the courts to discharge you think...because i THINK I KNOW it wasn't fair that some of you got a 15 minute thingy whist i had to see in front of my computer about payday loans that i never heard of...

not fair!! but then either is life i guess....

[carlsbadmike]

For me, the pre BK interview lasted about 15 minutes. The after 341 online education session lasted about an hour.

[AngelinaCatHub]

What we got out of both those "tests" were, the pre bk is kind of an interview to see if you are aware of all that you are doing and are you really bk material. Ours went about 15 minutes with a lady asking questions. That was it.

The after 341 test was really neat and online. Took a good hour or better. I was surprised as it was actually interesting and we learned a lot from it. It was worth the $35 for both. I liked it. 'Hub