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Pre-bankruptcy Credit Counseling. Get your certification immediately upon finishing the guidance

Pre-bankruptcy Credit Counseling. Get your certification immediately upon finishing the guidance 150 150 pas is nat

Pre-bankruptcy Credit Counseling. Get your certification immediately upon finishing the guidance

Clearpoint’s on the web pre-bankruptcy credit guidance (also called “pre-filing” or “pre-petition” guidance) lets you make the certification that’s needed is by US Bankruptcy Code before you decide to can seek bankruptcy relief. Our counseling that is unique program several key advantages:

  • Finish the guidance at your very own speed
  • Talk one on a single with your experienced counselors about your particular situation

This guidance will provide an improved comprehension of all of the options accessible to you and certainly will prepare you for the remainder bankruptcy procedure.

How It Operates

Here’s a glance at the way the guidance process works and what you need to expect.

1. Provide your monetary information

When these details is submitted, you are supplied with a “financial situation analysis.” This helpful dashboard will show your credit rating, earnings, costs and web worth, and prepare you for your discussion with a counselor.

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2. Talk to a counselor

Next, you shall speak to a counselor that will review your file, discuss payment plans as well as other options to bankruptcy, which help you prepare for all of those other bankruptcy procedure. Some subjects your therapist might protect include:

  • Methods for managing economic challenges, such as for instance car loan delinquency
  • Direct settlement along with your creditors (for charge cards or medical debts)
  • Direct settlement along with your home loan servicer
  • Supplementary housing counseling
  • a debt administration system
  • The potential risks of other bankruptcy options, such as for example pay day loans and debt negotiation

To attain an NFCC certified therapist, just click “Chat” while you are prepared. We have been offered to give you support: Monday-Thursday, 8am-8pm (CST), Friday, 9am-6pm (CST), excluding holidays that are major.

Essential note: communicating with a counselor is a mandatory the main guidance. lees meer