Which is the fastest/best?

[Toby629]

Our attorney has given us the option of taking the credit counseling pre-BK class by phone at home or online at home, (love that we can do either at home!). Which way is the quickest and best way to take the class? Thanks!

[drowning123]

Take it online at home. You're less committed. It takes about an hour, so during that time you could be multi-tasking.

[tobee43]

well....here we go...OURS TOOK OVER 3 HOURS on line...yet, i have heard of others that it took a few minutes??? so i'm totally confused about it.

both our pre-test and post-test took about the same amount of time to do...and we did it together on line. we also paid while others got it for free...we went thru the suggested one from the court..just also to brown nose a bit...this company sent the cert right to the atty and the courts upon completion of the classes..so you will most likely get different answers to the question...the company us to be CCCS...it's another name now tho.

[drowning123]

To be honest, my pre took about 20 minutes because I did it at my attorney's office and they were rushing to close, so the woman said to put down any answer and click away. My post was done online at home. That is actually timed and has to be done in 115 minutes - no less. That was booooooooring! I actually went through that one by listening to the questions instead of reading.

[Toby629]

Thanks guys! Here we go, online it is! This should be interesting!

[tobee43]

To be honest, my pre took about 20 minutes because I did it at my attorney's office and they were rushing to close, so the woman said to put down any answer and click away. My post was done online at home. That is actually timed and has to be done in 115 minutes - no less. That was booooooooring! I actually went through that one by listening to the questions instead of reading.

i know YOU ...YOU cheated...ROFL!!!!! you probably had the answers written on the palm of your hand...didn't you...LOL!!!!!!!!!

[tobee43]

Thanks guys! Here we go, online it is! This should be interesting!

oh it was...ours talk a lot about check cashing places and payroll loans...i had never ever even heard of them. then i moved to florida and wow...there are these money places all over that give you payday loans...i think they are called...apparently they are a very big no no...i guess we were ok since i didn't even know what they were.

[AngelinaCatHub]

What we got out of both those "tests" were, the pre bk is kind of an interview to see if you are aware of all that you are doing and are you really bk material. Ours went about 15 minutes with a lady asking questions. That was it.

The after 341 test was really neat and online. Took a good hour or better. I was surprised as it was actually interesting and we learned a lot from it. It was worth the $35 for both. I liked it. 'Hub

[carlsbadmike]

For me, the pre BK interview lasted about 15 minutes. The after 341 online education session lasted about an hour.

[tobee43]

well this certainly is NOT fair...why did we get the 3 hour test???

we didn't learn anything about money management...although after we were done....some lady got on line and asked if we need food or shelter...i think we came off and were and are so broke it was really sad.

i also wonder if it's based on the total amount of you bk...what your asking the courts to discharge you think...because i THINK I KNOW it wasn't fair that some of you got a 15 minute thingy whist i had to see in front of my computer about payday loans that i never heard of...

not fair!! but then either is life i guess....

[Toby629]

We just finished the online credit counseling, took us over an hour, drowning123 you got off easy (lol)! Whew, just glad it is done, now we are waiting for the attorney to call us to make an appointment for our meeting before filing, YEAH! We just waited soooooo long for this process to begin that we are so thankful it is in full swing now! You guys rock, thanks for being here!

[Toby629]

well this certainly is NOT fair...why did we get the 3 hour test???

we didn't learn anything about money management...although after we were done....some lady got on line and asked if we need food or shelter...i think we came off and were and are so broke it was really sad.

i also wonder if it's based on the total amount of you bk...what your asking the courts to discharge you think...because i THINK I KNOW it wasn't fair that some of you got a 15 minute thingy whist i had to see in front of my computer about payday loans that i never heard of...

not fair!! but then either is life i guess....

Wow, tobee43, that is a bummer, 3 hours! So glad ours didn't take that long.

[tobee43]

We just finished the online credit counseling, took us over an hour, drowning123 you got off easy (lol)! Whew, just glad it is done, now we are waiting for the attorney to call us to make an appointment for our meeting before filing, YEAH! We just waited soooooo long for this process to begin that we are so thankful it is in full swing now! You guys rock, thanks for being here!

great...you lucky!!! what...?? am i like the ONLY one here with the 3 hour course...

so glad you're done with it!! congrats... you're one step closer!!!

[free2breathe]

Our Debtor Education class online took 115 minutes as well. Each page of the "book" we had to read was on the screen for a minimum of a minute for hubby, and 45 seconds for me as I took the course second. All in all we spent over 4 hours with the reading and answering the test questions. I actually enjoyed the course, because I learned that I have been putting their suggestions in practice for a while now, so I'm well on my way to financial freedom. Also, our DE course was only around $12 and included both of our certificates. It pays to shop around a bit, unless your attorney wants you to take your course from a specific agency.

[tobee43]

Wow, tobee43, that is a bummer, 3 hours! So glad ours didn't take that long.

your probably cheating like drowning!!!! LOL!!! writing those answers on your palm..i know it!! and it was a total bummer!!!