If i do the pre discharge class is there anything i have to be careful on.

[stopthebleeding]

Are they gonna critique it for things to deny me a discharge.

[lrprn]

Are they gonna critique it for things to deny me a discharge.

No, it's just a box to check that's required by the new law. No worries. Just get it done and tell your attorney it's finished.

[oldbaddebts]

They are just going to look at your financial situation and tell you that you have the option of doing debt management, or negotiation, or settlements. They warn you not to do payday loan type stuff, and give you a certificate. It is nothing about teaching you, but rather trying to talk you out of it.

[JollyGG]

They are just going to look at your financial situation and tell you that you have the option of doing debt management, or negotiation, or settlements. They warn you not to do payday loan type stuff, and give you a certificate. It is nothing about teaching you, but rather trying to talk you out of it.

That is the prefiling class.

At the predischarge class they talk about how to write a budget, living within your means, and the importance of having savings as a saftey net. It's nothing most of us were not aware we should be doing. However, keep an open mind and you may learn something or get some good ideas.

We took the class, they gave us our certificate, we gave it to the laywer, end of story. I don't think we gave even one bit of personal information in the second class.

[ram180]

i just finished my course on monday of this week and they sent him a copy of my certificate via email. i called him to verify if he has received it and he said "yes i'm done and that i shouls have my discharge papers in about 30 days. its been a long 5 years i dont weather to jump for joy or what

[lillymarlene]

I took both of my classes online. The first class was just common sense and didn't have that much information. The second class however, was helpful, contained a lot of good information about budgets, separating needs from wants, and how to negotiate the best bargains. I made printouts for future use. My certificates were delivered to me online, and copies were sent to my lawyer.

[sassiebaz]

Omg....I totally forgot about this class! I need to do it Asap....my 60 days are up Dec. 1st

[lookin4info]

We took a prefiling class and then right after filing, we took another class. We got certificates online and gave them to our atty. He said we were done then. Are there anymore classes that we have to take closer to the end of the plan, or is that all of them. I don't want to think we are ok on the classes just to find out there's another one to do.

[oregonpilot]

We took a prefiling class and then right after filing, we took another class. We got certificates online and gave them to our atty. He said we were done then. Are there anymore classes that we have to take closer to the end of the plan, or is that all of them. I don't want to think we are ok on the classes just to find out there's another one to do.

lookin I would say you are good to go..good luck to you.

[oregonpilot]

Omg....I totally forgot about this class! I need to do it Asap....my 60 days are up Dec. 1st

OOO sassie...i did mine the day after i filled so i would have my certificate in hand at my 341 AND i didn't want to forget to do it.
Eee sassie...dec 1 is comin fast....I'm excited for you.

Ooo eee ooo ah ah ting tang......ok i got that song in my head for the day. LOL