Oklahoma requires you to do pre-petition Bankruptcy credit counseling. Bankruptcy credit counseling is not like the things you see on TV. Its not about going to a credit counselors office. Its also not about programs that ask creditors to take less than you owe hoping they’ll forgive your debt. Rather bankruptcy credit counseling is part of the new bankruptcy laws of 2005. Its simple, its easy and we’ll help you decide if bankruptcy is right for you, so don’t worry, we’ve got your back.
Bankruptcy Credit Counseling Explained:
There’s two courses that are necessary for someone who’s filing both Chapter 7 or chapter 13 bankruptcy. The first is the Pre-Petition Credit Counseling course. This is a mandatory course that you must take prior to filing. It does cost money but not more than a few dollars. The course is simple and can be taken over the phone or on your computer. Only an agency authorized by the Office of the United States Bankruptcy Trustee can issue a valid credit counseling certificate. Your attorney can give you the contact information.
The second course is a lot like the first course. Its taken after the case is filed and is also filed with the bankruptcy court by your attorney. Again its easy and doesn’t cost but a few dollars. I’ve researched places for my clients and provide you with the least expensive and best places. The second course is debtor education. Its also taken over the phone or your computer.
Once Counseling is Done:
Once you finish either course the credit counselor emails me a copy of the certificate. This usually goes to a special email account I’ve set up specially for credit counseling certificates. Once we get them, we file them with the court. Credit counseling is a must, so its important you take both courses. Although they’re simple if you fail to take either course the Trustee will file a motion to dismiss your case.
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