bankruptcyinstruction

The 2005 Bankruptcy Code Requires Credit Counseling Certification BEFORE You File a Bankruptcy Petition

Anyone considering bankruptcy must complete an approved Credit Counseling Briefing before filing a bankruptcy petition. Failure to complete the Credit Counseling Briefing prior to filing can result in dismissal of the bankruptcy case.

When you purchase your Credit Counseling Briefing through Start Fresh Today, certification can be completed with an online course. The online bankruptcy credit counseling certification course takes about 90 minutes to complete and can be completed at home, in the attorney's office, or from any computer with Internet access.

The briefing includes all of the subjects required by the OAA and USTO. The certification process also includes a complete analysis of your client's budget and a discussion about alternatives to filing bankruptcy.

Please note that we are not a credit counseling agency. We have coordinated a pool of reputable, independent 501c3 credit counseling agencies to quickly review your client's data and post a PDF of the credit counseling certification to your client's account.

We simply facilitate the relationship between the agency and your client and provide for a consistent briefing delivery. When you purchase the briefing, we assign your client to an agency in the client's district. Additionally, all client data from our free Means Test instantly transfers to the Certification Program in an easy-to-use, editable format.

How Does the Credit Counseling Certification Work?

When the online briefing is completed, it is distributed to one of the counseling agencies that meet Start Fresh Today's rigorous criteria. The non-profit agencies will review the data and upload a printable certificate to the client's account.

Start Fresh Today is the complete solution for bankruptcy attorneys, debtors, agencies, and even trustees trying to navigate the complexity of the BAPCPA law changes. In addition to providing resources to help all parties fulfill and coordinate the requirements under the new bankruptcy law, the Start Fresh Today website also provides a Means Test Calculator to simplify the process of figuring out whether the courts would find "abuse" for each client.

Attorneys can use Start Fresh Today to meet BAPCPA's complex due diligence requirements by purchasing tax records, real estate appraisals, credit reports and more. Bankruptcy petitioners can also fulfill the debtor education requirement in a manner similar to the Credit Counseling process.

Referred from: (http://www.startfreshtoday.com)