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Credit Counseling Certification
Under the new law there is a requirement that bankruptcy applicants obtain a Certificate of pre-filing counseling provided through an approved Credit Counseling Service, which administers the
25 to 90 minute financial course.
After you complete course the The Credit Counseling Service online, by
telephone, or in person, the service will provide you a Certificate of Credit Counseling. The law requires you provide
your bankruptcy attorney such certificate prior to the date your case is
filed (not prior to the time we first meet.)
Currently we are recommending www.cccs-express.org as
a quick and convenient way to obtain the certificate - within 24 hours, through online counseling. You may need my "FIRM
CODE." It is: 2025.
You will have to pay for the Certificate on your own and the costs run
about $50. There is no requirement that you see your attorney first prior to the time you obtain the Certificate. If
you go through the CCCS-Express website, and use the firm code of 2025,
they will email to me your Certificate of Credit Counseling once you have
completed the procedure. It takes about 30 to 60 minutes.
A 2nd Certificate (of "A Certificate of Financial
Management") will be required a few months after you have filed your
bankruptcy. To obtain this 2nd required certificate, I recommend you go
to the same site or service as you did for the 1st certificate, and again
I recommend www.cccs-express.org
only because they will email me directly your Certificate when you have
completed the procedure. Like the first time, there will be a charge, generally
$50.
My clients may email me these certificates directly as wel (as a .pdf attachment -
*preferred way*) or deliver them to me by fax, first class mail, or
by hand-delivery.
HERE IS A LIST OF OTHER CREDIT COUNSELING AGENCIES APPROVED BY THE UNITED
STATES DEPT. OF JUSTICE FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
(Harrisburg area northeast through W-B/Scranton area):
Advantage Credit Counseling Service Inc.
River Park Commons
2403 Sidney Street
Suite 400
Pittsburgh, PA 15203
888-511-2227
In Person, Telephonic
Alliance Credit Counseling, Inc.
15720 John J. Delaney Dr.
Suite 100
Charlotte, NC 28277-2747
888-995-7856
www.knowdebt.org
In Person, Telephone/ Internet
Consumer Credit Counseling Service of Greater Atlanta Inc.
100 Edgewood Avenue
Suite 1800
Atlanta, GA 30303
800-251-2227
www.cccsinc.org or http://www.cccsatl.org
In Person (not available in all judicial districts), Telephonic and Internet
Consumer Credit Counseling Service of New Jersey
185 Ridgedale Avenue
Cedar Knolls, NJ 07927-1812
800-728-3260
www.cccsnj.org
In Person, Telephonic, & Internet
Consumer Credit Counseling Service of Northeastern PA, Inc.
1400 Abington Executive Park
Clarks Summit, PA 18411
800-922-9537
www.cccsnepa.org
In Person, Telephonic, Internet
Consumer Credit Counseling Services of San Francisco
150 Post Street, 5th Floor
San Francisco, CA 94108
800-777-7526
www.cccssf.org
In Person (not available in all judicial districts), Telephonic and Internet
Consumer Credit Management, Inc.
28124 Orchard Lake Road
Suite 102
Farmington Hills, MI 48334
888-821-4357
www.ccmcanhelp.com
In Person, Telephonic, and Internet
Credit Advisors Foundation
1818 South 72nd Street
Omaha, NE 68124
800-942-9027
www.creditadvisors.org
In Person (not available in all judicial districts), Telephonic, and Internet
Credit Counseling Center
832 Second Street Pike
Richboro, PA 18954
877-900-4222
www.ccc-credit.com
In Person (not available in all judicial districts), Telephonic, & Internet
Credit Counseling Centers of America
9330 LBJ Freeway
Suite 900
Dallas, TX
75379-8039
800-493-2222
www.cccamerica.org
In Person (not available in all judicial districts), Telephonic and Internet
Garden State Consumer Credit Counseling, Inc.
225 Willowbrook Road
Freehold, NJ 07728
877-892-4557
www.novadebt.org
In Person (not available in all judicial districts) & Telephonic
GreenPath, Inc.
38505 Country Club Drive, Suite 210
Farmington Hills, MI 48331-3429
800-630-6718
www.greenpathbk.com
In Person (not available in all judicial districts), and Telephonic
Hummingbird Credit Counseling and Education, Inc.
3737 Glenwood Avenue
Suite 100-106
Raleigh, NC 27612
800-645-4959
www.hbcce.org
Telephonic & Internet
Institute for Financial Literacy, Inc.
449 Forest Avenue
Suite 12
Portland, ME 04101
866-662-4932
www.financiallit.org
Telephonic & Internet
Money Management International Inc.
9009 West Loop South
7th Floor
Houston, TX 77096-1719
877-918-2227
www.moneymanagement.org
In Person (not available in all judicial districts), Telephonic and Internet
Springboard Nonprofit Consumer Credit Management Inc.
4351 Latham Street
Riverside, CA 92501
800-947-3752
www.credit.org
In Person (not available in all judicial districts), Telephonic and Internet
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