Credit Counseling for Bankruptcy
KANIA LAW OFFICE is a Tulsa, Oklahoma Law Firm

New Credit Counseling Requirement for Bankruptcy

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 reformed the United States Bankruptcy Code and created additional requirements for debtors requesting bankruptcy protection.  One of the most noticeable changes for filers is the requirement for completion of two specific credit counseling courses.  A certificate of completion of credit counseling must be obtained prior to filing for bankruptcy and then a post-petition personal financial management instructional course must be completed prior to bankruptcy discharge.  Each course must be completed with a provider approved by the Executive Office of U.S. Trustees.  To ensure that a provider is approved check the U.S. Trustee Program site or use one of the providers listed below.

Pre-Petition Credit Counseling

A Certificate of Completion of Credit Counseling is mandatory prior to filing for Bankruptcy under the new code.  Kania Law Office recommends using Cricket debt counseling and their Web site for obtaining a certificate.  


Online Credit Counseling Course:
Money Management International, Inc. - Costs $50 per debtor 
(866) 889-9347

Cricket debt counseling - Costs $36 for Joint or individual filers 
(866) 719-0400

Post-Petition Personal Financial Management Instructional Course

In addition to the Pre-Petition Credit Counseling, before a Bankruptcy debt can be discharged the applicant must complete a mini-course on Personal Financial Management.  This course can be completed online, via telephone, or in person:

Online Financial Management Courses:
Money Management International, Inc. - Costs $50.00 for an individual and $75.00 for married joint filers.
(866) 889-9347 (24 hrs. a day/7 days a week).

50-30-20 MoneyPlan - Costs $14.95 per person.  (for online post-petition only)
(877) 222-4547

Cricket debt counseling - Costs $24 for Joint or individual filers 
(866) 719-0400


Via Telephone:
Cricket debt counseling - $36 (pre-petition) for joint or individual filers  
(866) 719-0400                $24 (post-petition) for joint or individual filers

KANIA LAW OFFICE:
The Kania Law Office represents Oklahoman's with debt problems navigate through the Federal bankruptcy codes and stop collection calls, foreclosures, and judgments while protecting their assets.  If you would like a free consultation with a bankruptcy attorney from the Kania Law Office please call (918) 743-2233 or fill out this form.