Bankruptcy Credit Counseling Certification

The new law changes mandate bankruptcy credit counseling certification before debts can be discharged.

Bankruptcy credit counseling certification can be completed with an online course. In addition to completing bankruptcy credit counseling certification, debtors also must complete a means test and go through with a debtor education component.

The online bankruptcy credit counseling certification course takes about 90 minutes to complete and can be done either in the attorney's office or from any computer with Internet access.

Your client can meet the certification requirements of the new law changes through Start Fresh Today. The course includes all of the subjects required by the OAA and USTO. The certification process also includes a complete analysis of your client's budget and a discussion about alternatives to filing bankruptcy.

Once your client submits his coursework online, it is distributed to one of the counseling agencies that met Start Fresh Today's rigorous criteria. The non-profit agencies will review the data and post a printable certification within a few days of submission.

Start Fresh Today is the complete solution for bankruptcy attorneys trying to navigate the complexity of the BAPCPA law changes. It was created by bankruptcy attorneys for attorneys as a resource for everything necessary to meet filing requirements.

In addition to providing resources for the new law requirements, the website also provides a Means Test Calculator to simplify the process of figuring out whether the courts would find "abuse" for each client.

From this site, you can meet the complex due diligence requirements by purchasing information about your client's tax records, real estate holdings and reports. Your client also can fulfill the debtor education requirement in a manner similar to the process.

You also have access to our Blog, which was created as a resource tool for lawyers who want up-to-date information on the new laws. It is being written by Kevin Chern, one of the most well known consumer debt consolidation attorneys nationwide. Over the past decade, Mr. Chern has filed thousands of cases and is on the forefront of integrating innovative technology into the field. He is the founder of Start Fresh Today – a complete solution for BAPCPA requirements.