Approved by the U.S. Trustees, InCharge issues Bankruptcy Code-compliant certificates for required pre-filing counseling and pre-discharge education.
If overwhelming debt struggles have you considering bankruptcy protection, InCharge Debt Solutions, a leading non-profit 501(c)(3) organization with an A+ rating with the Better Business Bureau, stands ready to bring you debt relief. Our Certified Financial Counselors along with a convenient online bankruptcy pre-filing course can provide the counseling and advice you need now, plus get you on a path to financial health and debt-free living.
If you plan to file for bankruptcy, you must attend a Pre-Filing Credit Counseling session. After filing, you must complete Pre-Discharge Debtor Education before your bankruptcy is finalized. InCharge offers both of these educational courses.
You'll start online, then receive a personal counseling session by telephone where you can discuss the details of your current financial situation with a Certified Financial Counselor. Your counselor will help you build an accurate picture of your current financial situation, then give specific advice on actions you can take to improve your situation. You'll also discuss short- and long-term financial goals and determine if there are any alternatives to bankruptcy. The counselor will explain consequences of bankruptcy and actions you can take to get back on sound footing after a bankruptcy. InCharge's online course is only $30, whether filing alone or jointly.
At Home Convenience. You can complete the online portion of the course from the convenience of your home computer 24 hours a day, seven days a week. The required telephone counseling for bankruptcy pre-filing can be done M-F from 7:00am to 11:00pm (EST) and Saturday from 9:00am to 6:00pm (EST). In-person services are available in the Orlando, Florida area by appointment. Counseling services are available in English and Spanish.
Prompt Certificate Delivery. After finishing the counseling session, InCharge will promptly issue – via email, fax or mail – the required certificates.
Here, you'll build on what you learned during the pre-filing course. You'll get help with money management, budgeting, and how to develop and stick to a plan that leads you to a brighter financial future. You'll be equipped with a full set of financial concepts, tools and skills to help you manage your money after your fresh start. This course can be completed entirely online and the fee is only $25.
At Home Convenience. The work for the pre-discharge course can be done from the convenience of your home computer 24 hours a day, seven days a week. If you need any personal advice from counselors, you can call M-F from 7:00am to 11:00pm (EST) and Saturday from 9:00am to 6:00pm (EST). In-person services are available in the Orlando, Florida area by appointment. Counseling services are available in English and Spanish.
Prompt Certificate Delivery. After finishing the bankruptcy pre-discharge course, InCharge will promptly issue - via email, fax or mail - the required certificate.
InCharge "Extras" Help You Toward Debt-Free Living. Graduates of pre-discharge debtor education receive the following free educational materials:
- Free e-book: After Bankruptcy: What You Need to Know
- Free Online Video Game: Grab Todd's Cash
About the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
This act was signed into law on April 20, 2005 and includes checks and balances to ensure that consumers are equipped to make informed decisions when it comes to filing bankruptcy. It includes the requirement that all Chapter 7 or 13 bankruptcy petitioners complete approved credit counseling and provide to the court a Certificate of completion from a U.S Trustee-approved non-profit credit counseling agency. The law also requires all consumers who file for bankruptcy to successfully complete two bankruptcy courses prior to having debts discharged. InCharge offers both the pre-filing and pre-discharge courses to meet these requirements.
Bankruptcy: What Should I Consider Before Filing?
Most financial experts agree that bankruptcy should be a last resort and undertaken only after trying all other methods of repayment. Bankruptcy is a court action that can discharge - or eliminate - some or all of the debts you owe. This action will stop creditors from calling you and is intended to give you protection and a new start.
On the negative side, bankruptcy can impact your credit score for up to 10 years. This may mean you'll pay more to obtain a loan, be ineligible for credit cards or pay higher insurance rates. Bankruptcy does not guarantee that all your debts will be discharged. It is also a matter of public record and may affect your reputation.
That makes it very important that you're aware of the pros and cons and have considered the issues and explored the options before proceeding.