Suggestions for cheapest, on line pre BK counseling...

[goblue]

We're filing THIS MONTH -- finally! Now we need to complete the pre-BK credit counseling. Can you share any suggestions of good online courses that are inexpensive? So far, I've found most seem to charge $50 - I did find one (Abacus) that only charges $25 for the couple.

If you can provide recommendations, I will be able to look them up on the US Trustee website to ensure they are accepted in my district (Northern Illiniois)

THANK YOU!!!

[jribe]

We're filing THIS MONTH -- finally! Now we need to complete the pre-BK credit counseling. Can you share any suggestions of good online courses that are inexpensive? So far, I've found most seem to charge $50 - I did find one (Abacus) that only charges $25 for the couple.

If you can provide recommendations, I will be able to look them up on the US Trustee website to ensure they are accepted in my district (Northern Illiniois)

THANK YOU!!!

I found "o worries financial" that cost $14.95 per filer for the pre and post filing education. That was the cheapest i found.

[Flowers]

hi, my lawyer was able to give me a list of those that were approved for my state.

[CCA1984]

Subscribing

[lrprn]

No matter which pre-filing counseling course agency you find, be absolutely certain that your state has that agency on their approved list. Otherwise it's a complete waste of your time and money.

Here's the link to the approved pre-filing credit counseling agencies for each state - http://www.justice.gov/ust/eo/bapcpa...c_approved.htm

And since you'll have to take the post-filing mandatory debt education course too before you are discharged, here's the link to each state's pre-approved debt education courses as well - http://www.justice.gov/ust/eo/bapcpa...e_approved.htm

[tiiger]

Try sage financial. I think the web address is www.sagefinancial.com. they were 35 when I did it.

[tiiger]

Www.sagepf.com that's the web address

[LadyInTheRed]

Is free cheap enough? I found this site after I paid for my counseling. http://www.consumerbankruptcycounseling.info/

Check to see if they are listed for your state, but the site says:

"Do not use this website if you live in the State of Alabama or the State of North Carolina, as you cannot receive a valid certification from this website at this time if you reside in any of these states. If you live anywhere else subject to federal bankruptcy jurisdiction, you can now receive a valid certification from this website."

Unfortunately, they don't offer the post-filing class.

[rpertusio]

Is free cheap enough? I found this site after I paid for my counseling. http://www.consumerbankruptcycounseling.info/

Yep. Definitely legit. We used them, and it took about 2 business days to get the certificates (PDF format) sent to us via Email. If you don't mind waiting a few days, go ahead and use them! You really can't beat FREE

[Shanfish]

Is free cheap enough? I found this site after I paid for my counseling. http://www.consumerbankruptcycounseling.info/

Check to see if they are listed for your state, but the site says:

"Do not use this website if you live in the State of Alabama or the State of North Carolina, as you cannot receive a valid certification from this website at this time if you reside in any of these states. If you live anywhere else subject to federal bankruptcy jurisdiction, you can now receive a valid certification from this website."

Unfortunately, they don't offer the post-filing class.

Thank you SO much for sharing this!!! This will save us $50 that we don't have to begin with!!!

[wonderingrov]

My lawyer had e-mailed me a listing of appproved counselors in my area. I decided on this one:

http://www.inchargefoundation.org

If they are approved for your district, they do offer an online course. The telephone course is $50, but the online course is only $30. I went with the online version. You do have to call in once you have completed the course so that they can go over everything with you, but they will e-mail the certificate (pdf format) to both you and your attorney. It looks like they also offer the post-bankruptcy counseling for $25 if you do it online.

I do know they are not approved for Northern Alabama from what they had said on their website, but I'm not sure about your district.

[Shanfish]

I wanted to bump this info in case anyone else could benefit . Thanks to this thread, we used the free ConsumerBankruptcyCounseling site.... it was super easy and we had our certificates emailed within 48 hours after finishing. Thanks again!!

[feelingnutsy]

I used abacus.org for pre-filing at $25---and sage for post-filing---at $35.

What I liked is that I had to redo the pre-filing certificate---did it too early---
and when I called abacus---the company didn't charge me---and the redo was short.
Sage also had great customer service---and I got both certificates within a few minutes.

[oregonpilot]

I wanted to bump this info in case anyone else could benefit . Thanks to this thread, we used the free ConsumerBankruptcyCounseling site.... it was super easy and we had our certificates emailed within 48 hours after finishing. Thanks again!!

I used this one too. And free was actually FREE!!!!

[discouraged]

Wow - this info is so very helpful. Glad the question was asked.