Hello everyone,
I have no interest in either of these companies, but used them myself in my pro se Chapter 7. Even those with attorneys may wish to consider as I've seen some charging upwards of $100 or more for this (usually by contracting with providers who are more expensive than they need to be):
Free Pre-Petition Credit Counseling Briefings (by internet): http://www.consumerbankruptcycounsel...bcp/start.html
Personal Financial Management Course: www.npfe.com
--> This was free for me because I received a waiver of the Chapter 7 filing fee - it is also free if your attorney is working pro bono or if you obtained a waiver of your pre-petition counseling fee. If none of the above apply, it's just $14.95 per person, which is by far the lowest price I found.
Don't forget if you are pro se (not sure if this works if you have an attorney) and your income is lower than 150% of the poverty level, you can obtain a waiver of the Chapter 7 filing fee. I was able to go through the entire process without paying a dime for anything.
I have no interest in either of these companies, but used them myself in my pro se Chapter 7. Even those with attorneys may wish to consider as I've seen some charging upwards of $100 or more for this (usually by contracting with providers who are more expensive than they need to be):
Free Pre-Petition Credit Counseling Briefings (by internet): http://www.consumerbankruptcycounsel...bcp/start.html
Personal Financial Management Course: www.npfe.com
--> This was free for me because I received a waiver of the Chapter 7 filing fee - it is also free if your attorney is working pro bono or if you obtained a waiver of your pre-petition counseling fee. If none of the above apply, it's just $14.95 per person, which is by far the lowest price I found.
Don't forget if you are pro se (not sure if this works if you have an attorney) and your income is lower than 150% of the poverty level, you can obtain a waiver of the Chapter 7 filing fee. I was able to go through the entire process without paying a dime for anything.