Approved by the U.S. Trustees, InCharge issues Bankruptcy Code-compliant certificates for required pre-filing counseling and pre-discharge education.
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.
Pre-file Credit Counseling
With Pre-file Credit Counseling, 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.
You can complete the online portion of the course from the convenience of your home computer 24 hours a day, seven days a week. 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.
Bankruptcy Pre-Discharge Course
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. The Pre-Discharge Debtor Education course can be completed online. There is no required phone call with a counselor. This course can be taken from the convenience of your home computer 24 hours a day, seven days a week.
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.