Pre-Filing / Post-Filing Classes

Bankruptcy class can help you assess how feasible bankruptcy is for your situation. The post-filing course is to give you the knowledge you need to make the most of your fresh start.

Bankruptcy isn’t just a fresh start; it is an opportunity to change your financial habits. Credit counseling is an important part of bankruptcy, both before and after.

Pre-Filing Bankruptcy Credit Counseling

Before Toscano & Wilson can take your bankruptcy case and file for your bankruptcy in court, you must complete an online pre-filing credit counseling course. This course is part of compliance with US bankruptcy codes and a requirement for almost everyone that files bankruptcy.

This course gives you an idea of whether or not you need to file for bankruptcy, or contact your creditors individually and come up with a payment plan. Even if it is obvious that bankruptcy is your only option, the counseling still needs to be completed before you can file.

Once this is done you will receive a certificate of completion that we will file with the court to show that you have satisfied the requirement and that your situation merits a bankruptcy filing.

It’s Time To Go Back To School.

The post-filing course will give you the knowledge to make the most of your fresh start.

Post-Filing Debtor Education

Better known as pre-discharge Debtor Education, it’s required by the US Bankruptcy Code to be completed before your bankruptcy is discharged. This is a course about personal finance that will teach you strategies that will help you stay financially healthy.

The course will teach you the essential money management skills you need to manage your finances including:

  • How to set manageable financial goals
  • How to create and stick to a budget
  • How to adjust your expenses
  • How to increase your income
  • How to manage a checking account
  • The importance of savings and what to use it for
  • How to rebuild your credit
  • How to protect yourself and your family from identity theft

The post-filing debtor education course begins with a pre-test that assesses how much you know about finances. There is no pass or fail with this: it’s simply there to expose some incorrect notions that you may have about how to effectively manage your finances. The next sections detail the financial management topics that will help you avoid having to file for bankruptcy in the future. They all conclude with a quiz to check your progress.

Finally, there is an open-book post-test that covers all the material. Once you are finished, you receive another certificate that your bankruptcy attorney will file with the court.

Credit Counseling Is An Important Step

This course has a lot to teach you about how to manage your finances and how significant changes to your behaviors can prevent you from falling into overwhelming debt again. The bankruptcy course may be a requirement for filing, but it is strongly recommended that once you are back on your feet that you seek the help of a licensed credit counselor.

Personal financial management is essential to keeping you and your family out of debt. It will require some hard work and sound decision-making on your end, but the end result is gaining the financial freedom to accomplish your goals.

DebtorCC  Online Counseling Course


Contact Us

The legal experts at Toscano & Wilson understand what you are going through. Bankruptcy may seem like the end, but the truth is it is simply a new beginning. Through competent and compassionate legal representation with Toscano & Wilson, things can only get better. Give us a call, tell us your story, and start to feel better about your financial situation.

  • The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, messages, and emails. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until an attorney-client relationship has been established.

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