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Pre-Bankruptcy Counseling ClassPre-Bankruptcy Counseling Class The first part is the pre-bankruptcy counseling. That is simple enough. The second part is the post-bankruptcy counseling which is also called your Financial Management Course, and it is submitted with a Form 23. To make things more confusing, it is also referred to as the pre-discharge certificate. If you want out of the counseling class, that is not covered here.. but we can send you to an attorney for that one. As a note: I figure for most people it is harder to avoid taking the class than taking the class, less expensive to take it than to avoid, and it offers fabulous lessons. I leave such things for attorney to charge for the process, time and effort.
I have experienced wonderful customer service with Pioneer Credit. There fee is competitive and their reputation is superior. Bankruptcy Counseling Class with Pioneer Credit Bankruptcy Counseling Class with DebtorCC.org The post bankruptcy class or Financial Management Course is the most common skipped step in my cases. It is the most frustrating to be skipped, because it is simple and costs so little. It is almost over... one small class... a few dollars through Pioneer Credit and your obligations are just about fulfilled. Forgetting this inexpensive, beneficial and minimal time investment obligation is a time consuming, expensive mistake. EVEN WORSE: Clients that take the class, but neglect to provide the evidence (certificate and Form 23) to the court that they completed it. This is not the job of the company you take the course with as they only provide you the evidence you took the course. This is not my job as I usually have no idea the client finished the course, and we did not file your initial filing or subsequent filings. This is the client's obligation to file! Most get it. A few don't. It is so frustrating when it is forgotten. PLEASE PLEASE PLEASE TAKE YOUR COURSE AND FILE YOUR EVIDENCE
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