A pre-bankruptcy credit counseling Norwich CT session with an approved bankruptcy credit counseling organization should include an evaluation of your personal financial situation, a discussion of alternatives to bankruptcy, and a personal budget plan. A typical credit counseling for bankruptcy Norwich CT session should last about 60 to 90 minutes, and can take place in person, on the phone, or online. The credit counseling organization is required to provide the credit counseling for bankruptcy free of charge for those consumers who cannot afford to pay. If you cannot afford to pay a fee for bankruptcy credit counseling, you should request a fee waiver from the credit counseling organization before the Norwich CT pre counseling bankruptcy session begins.
Otherwise, you may be charged a fee for the bankruptcy credit counseling, which will generally be about $50, depending on where you live, the types of services you receive, and other factors. The bankruptcy credit counseling organization is required to discuss any fees with you before starting the bankruptcy credit counseling Norwich CT session.
Once you have completed the required pre filing bankruptcy credit counseling, you must get a bankruptcy certificate as proof. Check the U.S. Trustee’s website to be sure that you receive the bankruptcy certificate from a credit counseling organization that is approved in the judicial district where you are filing bankruptcy. Bankruptcy credit counseling Norwich CT organizations may not charge an extra fee for the bankruptcy certificate.
Pre-Discharge Debtor Education courses and Bankruptcy Credit Counseling Requirements
As a rule, pre-bankruptcy credit counseling and pre-discharge debtor education may not be provided at the same time. Bankruptcy credit counseling Norwich CT must take place before you file for bankruptcy; debtor education must take place after you file bankruptcy.
In general, you must file a certificate of credit counseling completion when you file for bankruptcy, and evidence of completion of debtor education after you file for bankruptcy – but before your debts are discharged. Only credit counseling organizations and debtor education course providers that have been approved by the U.S. Trustee Program may issue these bankruptcy certificates. To protect against fraud, the bankruptcy certificates are produced through a central automated system and are numbered.
Bankruptcy Post-Filing Debtor Education
A debtor education course by an approved bankruptcy course Norwich CT provider should include information on developing a budget, managing money, using credit wisely, and other resources. Like bankruptcy pre-filing counseling, debtor education may be provided in person, on the phone, or bankruptcy counseling online. The debtor education session might last longer than the pre-filing bankruptcy credit counseling – about two hours – and the typical fee is between $50 and $100. As with bankruptcy pre-filing counseling, if you are unable to pay the session fee, you should seek a fee waiver from the debtor education provider. Check the list of approved debtor education providers here or at the bankruptcy clerk’s office in Norwich CT.
Once you have completed the required debtor education course, you should receive a bankruptcy certificate as proof. This bankruptcy certificate is separate from the bankruptcy certificate you received after completing your bankruptcy pre-filing credit counseling. Check the U.S. Trustee’s website to be sure that you receive the bankruptcy certificate from a debtor education provider that is approved in Washington DC where you filed bankruptcy. Unless they have disclosed a charge to you before the Norwich CT credit counseling for bankruptcy session begins, debtor education providers may not charge an extra fee for the bankruptcy certificate.