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What is the credit-counseling certificate?

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What is the credit-counseling certificate?

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To file bankruptcy, you must receive credit counseling within the 180 days before filing from an approved credit-counseling agency. This briefing can be completed online, in person, or over the phone. The counseling takes approximately 60 minutes. We will give you a list of the approved credit counselors. 4. What is the personal financial management certificate? You receive the personal financial management certificate after you complete a debtor education course. You must complete the course to obtain your bankruptcy discharge. Most of the counselors that conduct the pre-filing counseling also conduct the debtor education course. It can be completed on-line or over the phone. The course takes approximately 90 minutes. 5. Do you provide alternatives to bankruptcy or post-bankruptcy services? Yes. We have a homebuyer assistance program and a credit repair program. These programs are helpful for debtors after filing bankruptcy. We also offer debt settlement and credit counseling programs

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