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Hello and welcome to our website. If you have been thinking about bankruptcy to possibly help eliminate your debt - learning about your options is the first step.
Part of the Bankruptcy process is having you complete both a Credit Counseling and Debtor Education course. These are available by phone or online for your convenience.
In fact, if you have decided to file bankruptcy, the FIRST STEP is to obtain a credit counseling briefing from a certified credit counseling agency.
The credit counseling briefing is basically a primer or introduction on basic financial management, budget analysis and debt management strategies. This course is based on YOUR financial situation, which allows you to learn the best way to manage your finances. In addition, the credit counseling briefing addresses alternatives to bankruptcy.
Many people who go through bankruptcy find that this education process can be very beneficial, and helps consumers avoid getting into financial trouble again. Please know that your bankruptcy petition may be dismissed if you fail to complete a certified credit counseling briefing. In other words, this is both a mandatory as well as a beneficial part of the bankruptcy process.
Under current bankruptcy law, you must also complete a debtor education course after bankruptcy but BEFORE being able to receive your discharge. This applies regardless of whether you're filing bankruptcy under Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code. Your bankruptcy attorney can advise you on which is most appropriate for your circumstances.
As its name implies, the debtor education course serves as an educational tool for you to plan your financial future. It helps you learn some important lessons like establishing a healthy relationship with credit. You can quickly and easily complete your courses right here on our website. In fact, you can do this online, or through telephone counseling sessions and begin the process immediately. As a recognized leader and fully licensed provider of the courses, Start Fresh Today helps thousands of consumers just like you fulfill these requirements.
If you are ready to get started, go ahead and click the button above that says, "Create Your Account." You’ll be done before you know it! Thanks for choosing Start Fresh Today and have a great day!