Before filing for bankruptcy (either Chapter 7 or Chapter 13), you must complete a pre-filing course. Register for the course online (see links below) or take it by phone. The course walks you through some basic budget and financial management strategies. Expect to spend about 60-90 minutes on the course. If you are filing a joint bankruptcy with your spouse, you must both take the course together, and must both complete the course prior to filing.
After you complete the course, you must speak with a phone counselor who may ask a few questions to see if you understand the material. If you take the course online, you'll be provided with a phone number to call a counselor.
Certificates for the course will be sent directly to David to include with your Bankruptcy case. See below for cost.
Available course providers
| Pre-filing Course Provider | Course Price | Course Availability | Counselor Online | Counselor Phone |
|---|---|---|---|---|
| Debt Education and Certification Foundation | $24 | 24/7 | 24/7 | 24/7 |
| Cricket Credit Counseling | $24 | 24/7 | M-F: 9am – 9pm EST | M-F: 9am – 9pm EST |
| DebtHelper | $24 | 24/7 | M-Th: 9am – 9pm F: 9am – 7pm Sat: 10am – 5pm EST | M-Th: 9am – 9pm F: 9am – 7pm Sat: 10am – 5pm EST |
| Urgent Credit Counseling | $20 | 24/7 | M-F: 9am – 9pm EST | M-F: 9am – 9pm EST |
All online and telephonic courses are available in English and Spanish.
Questions? Contact myHorizon support M-F 8 - 8pm ET.
Toll-free: 888.410.6988
Email: [email protected]
All Providers listed above are approved to issue certificates evidencing completion of debtor education in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of the Provider's services. To see a full list of US Trustee approved providers visit the US Trustee office website: www.justice.gov/ust/credit-counseling-debtor-education-information.
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