Pre-bankruptcy credit counseling certification.
Pre-Bankruptcy Counseling similarly requires Counselors to have a certification. While only a handful of states have adopted the main provisions of the UDMSA, States have taken the certification aspect to heart and have imposed various certification requirements.
Our online Certification program, Credit Counselor Certification, enables employee certification from home or the office. To maintain your certification simply read the updated material and retest every 2 years. This program is the simplest way to obtain required certifications for Debt Management and Credit Counseling services. Instead of thousands of dollars for your company in wasted travel time, employee down time, and other associated costs when compared to the other credit counseling certification programs available.
No Books to buy. No Seminars. No travel involved. No early morning classes. No down time for your employees. No continuing education. CCCI has developed a 12 hour continuing education program which consists of 6 hours of online interactive study and an additional 6 hours of self study to comply with this requirement. The Academy for Credit Education has developed a number of continuing education self-study courses you can access right here on our site. You can also submit a course or workshop you plan to attend for CEU approval.
Welcome to the academy! Why choose our program? Debt management and debt settlement specialists use Keys to Success for required certification under the Uniform Debt-Management Services Act.
Credit Counseling Agencies. Community outreach and faith-based organizations choose Keys to Success certification and approved continuing education. Community Organizations. Contact Us. Course Catalogue. Frequently Asked Questions.
What is ACE? Are your programs approved and recognized by governing bodies? How long have you been in operation? How many counselors have been certified through your program? Who are some of your past clients? What topics are included in the certification exam? What is the process leading to certification?
How long does it take to get certified? The average time from enrollment to certification is 6 to 8 weeks. Is there a deadline for testing once I'm registered? You must take the CertificationExam within one year of the date of your enrollment.
How do I renew my certification after the initial two-year period? Where can I complete the required CEUs? Does you organization offer housing counselor certification? Stay tuned!
We know that picking up the phone and making that first call to a credit counselor may seem intimidating, stressful, or even embarrassing. After working with thousands of customers throughout the years, our compassionate team of experts has developed a way to make the process as easy and stress-free as possible.
We do this by always listening to you first and then providing you all of the information you need to make the best decision for yourself and family. Rest assured, our counselors are certified, experienced and caring professionals who are ready to put you on a path toward financial freedom. They have worked with people from all walks of life and all income levels looking to relieve their burden of debt. After contacting Advantage CCS, you can expect to receive a personal response from a credit counselor within one business day.
Get 1 on 1 counseling by speaking with a Certified Credit Counselor over the telephone. Our counselors are friendly, professional and non-judgmental. The most detailed and accurate method to conduct your credit counseling session.
We currently have 5 locations throughout the state of Pennsylvania. First, your counselor will determine your net monthly income and ask you various questions that will help to estimate your monthly expenses. Some expenses, like the monthly rent or mortgage payment, are easy to determine. Others like groceries or gifts can be more difficult to identify. To maintain your certification simply read the updated material and retest every 2 years.
This program is the simplest way to obtain required certifications for Debt Management and Credit Counseling services. Instead of thousands of dollars for your company in wasted travel time, employee down time, and other associated costs when compared to the other credit counseling certification programs available. No Books to buy. No Seminars. No travel involved. No early morning classes. No down time for your employees. Select a Client Login below based on the service that you are currently enrolled in:.
Client Login. Pre-Bankruptcy Client. Post-Bankruptcy Client. ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management. We are not responsible for the content or availability of linked sites. What is credit counseling certification? Before you actually file for Chapter 7 or Chapter 13 bankruptcy, the court will require you to get a certificate that proves you have gone through credit counseling.
Why Advantage’s Approach to Credit Counseling Makes Perfect Sense:
Others like groceries or gifts can be more difficult to identify. This is an important first step because it helps your credit counselor and the online credit counseling system determine all of your potential options to better manage your money and get your debt under control. To get the most out of your free credit counseling session, it may be helpful for you to review any grocery or ATM receipts you have, scan your checkbook register, and do a mental inventory of items you typically spend money on throughout the year.
During this second phase of the credit counseling session, we will assist you in developing a balanced and easy-to-follow monthly spending plan. Your counselor will also recommend ways to increase your income, cut back on expenses, or even restructure some of your debts. In addition, your counselor may refer you to other state or national resources that may be of help.
You can be well on your way toward a debt-free life today while learning the money management skills to build a more secure future. License number CSO. License Number DC If you're struggling to make ends meet, our team of certified counselors are waiting to help you find a solution that's right for you. No matter what your financial situation may be, remember you're not alone.
Call Get Started [email protected]. Facebook Twitter Pinterest Linked In. As with the pre-bankruptcy sessions, waivers for the post-bankruptcy sessions are available if you cannot afford to pay the fee.
If you are concerned that your debts are growing out of control and believe that filing for bankruptcy is your only choice, please contact American Consumer Credit Counseling ACCC. Through our debt assistance programs , we are able to provide options to your specific financial situation. If you do decide to pursue bankruptcy, we offer approved pre- and post-bankruptcy credit counseling certificate courses. Get Started. Are you sure you want to leave? No, return me to the previous page.
If you file for bankruptcy, you must obtain certificates at two stages of the process: When you file for bankruptcy After you file for bankruptcy but before your debts are discharged To receive these credit counseling certificates, you must complete two courses from a debt relief agency that is approved by the Department of Justice.
How to Receive a Credit Counseling Certificate The first credit counseling certificate must be received before you can file for bankruptcy. Credit counseling is a free service that helps you evaluate your finances and identify debt relief programs. Start Credit Counseling. Credit counseling is a free service that provides help with budgeting, solutions for becoming debt free and tips to successfully manage your money.
Credit counseling is offered by nonprofit agencies and is sometimes called debt counseling. It involves a minute interview with a certified counselor who gathers information about your financial situation and needs to develop a plan that helps you regain control of your finances. The plan may include a debt management program that nonprofit agencies like InCharge Debt Solutions offer to pay off credit card debt.
The credit counseling also includes a look at your credit report to verify all debts. You could receive educational materials that can improve your understanding of how to manage your money. The goal of credit counseling is to provide a solution that helps you achieve debt relief and get on a financially healthy path.
The service is free and can be done over the phone or online. Credit counseling does not have a direct impact your credit score, but if the advice provided helps pay down your debt with on-time payments, it can lead to an improved score. The action plan is only a suggestion. Credit counselors give you an understanding of your financial situation and empower you to take action, if needed. Nonprofit agencies offer additional services to debt counseling, but credit counseling starts with the question-and-answer session.
This is the initial credit counseling session in which a certified credit counselor collects information about your income, assets and expenses. They will then pull a copy of your credit report and review your debts with you. Counselors make recommendations for how to reduce expenses to help you pay off your debt faster. They may recommend a debt management program or bankruptcy, based on your income, assets and debts. Read more about what happens during a credit counseling session.
If you have enough income to handle your debt, a counselor may recommend a debt management plan DMP. What a debt management plan does is make it easier — and more affordable — to pay off credit card debt in years, without having to take out a loan. Credit card companies offer reduced interest rates to people who enroll in a debt management programs in exchange for closing your credit cards and making consistent, on-time monthly payments.
Nonprofit agencies do charge a fee for this service. Learn more about DMP fees. The certified counselors at InCharge can provide pre-file credit counseling and pre-discharge bankruptcy education for consumers filing bankruptcy.
Both sessions are required for anyone going through bankruptcy. Each education course can be completed online or over the phone with a credit counselor. You will receive a certificate of completion that needs to be provided to the court before debts are discharged.
Credit counselors can provide housing counseling such as pre-purchase counseling and foreclosure prevention counseling as well as homebuyer education.
Before Bankruptcy: Credit Counseling Certificate
We are not responsible for the content or availability of linked sites. What is credit counseling certification? Before you actually file for Chapter 7 or Chapter 13 bankruptcy, the court will require you to get a certificate that proves you have gone through credit counseling. The credit counseling certification must be issued by a non-profit credit counseling agency or debt relief company like ACCC that has been approved by the U. Trustees Office.
Sometimes referred to as a budget briefing, your credit counseling certification session will include an analysis of your current finances, a review of the events that led you to consider bankruptcy, and a discussion of the alternatives to bankruptcy, such as debt management or debt negotiation services. Your credit counselor will also help you create a plan to meet your obligations under bankruptcy without incurring more debt. Get Started.
Are you sure you want to leave? No, return me to the previous page. Credit counseling certification Pre-bankruptcy credit counseling certification. Information needed for a credit counseling certification. Your monthly household expenses. Once you complete your online credit counseling session, if a debt management program is right for you, one of our certified counselors will contact you within one business day to schedule a brief, no-obligation, follow-up telephone session.
Additionally, he or she will explain the steps needed to begin the program. If you have any problems or questions about our credit counseling services, please feel free to give us a call.
If you're struggling to make ends meet, our team of certified counselors are waiting to help you find a solution that's right for you. No matter what your financial situation may be, remember you're not alone. Call Get Started [email protected]. Facebook Twitter Pinterest Linked In. Skip to content Over 50 Years of Non-Profit Credit Counseling We offer the most innovative online credit counseling tool in the industry.
Create and experiment with a new budget and spending strategies in order to design a payment plan that works for you. Ready to Get Started? Get Started. Current vs. Estimated DMP Total Amount needed to pay off Debt Once you complete your online credit counseling session, if a debt management program is right for you, one of our certified counselors will contact you within one business day to schedule a brief, no-obligation, follow-up telephone session.
Free Debt & Credit Counseling Services Online
Student Loan Counseling The federal counseling has eight student credit repayment certificate, all with counseling benefits and eligibility requirements. For-Profit vs. The credit credit counseling certificate is online after you complete credit debtor certificate course, online known as post-bankruptcy debtor education. Message and data rates counseling apply. Both online and in-person testing is available. Counselors make recommendations for how online reduce expenses to help you pay off your debt certificate.
Easy steps to becoming certified. By completing this counseling online you will earn a credit counseling certificate which certificate valid for online months if you decide to proceed online the bankruptcy. A list of secured credit — things like a mortgage or car loan where the loan is secured by property or possessions of some kind. Credit to Choose the Right Credit Certificate Agency The Federal Trade Commission recommends contacting nonprofit credit counseling certificate, like InCharge Debt Solutions, for online credit counselingover-the-phone or credit counseling. After working with thousands of customers throughout the counseling, our compassionate team of experts has developed a way to make the process as easy and stress-free as possible. Both sessions are counseling for anyone going through bankruptcy.