Authorized Bankruptcy Certificates of Credit Counseling
As of 2005, a certificate of credit counseling completion is required before an individual can file for bankruptcy in the United States. Only credit counseling organizations that have been approved by the U.S. Trustee Program may issue credit counseling bankruptcy certificates. Each bankruptcy certificate is automatically generated, numbered and printed from a central classified system.
Springboard Nonprofit Consumer Credit Management is approved by the Executive Office for U.S. Trustees* (EOUST). Our government-approval grants our credit debt counselors official authorization to provide pre-bankruptcy counseling and debtor education courses to consumers in compliance with the new bankruptcy reform law of 2005. Once you have completed your pre-bankruptcy counseling session and debtor education course, you will be given the following certificates of completion - the certificates prove you have met the pre-bankruptcy counseling and course requirements to proceed with your bankruptcy discharge.
Bankruptcy Counseling Certificate of Completion
Nationwide Bankruptcy Counseling Services from Springboard
In order to file your bankruptcy petition you must complete a mandatory budget briefing session with an approved credit counseling agency. Once you have completed this session, Springboard will issue you or your attorney a Counseling Completion Certificate so your bankruptcy petition can get filed with the court.
Debtor Education Certificate of Completion
Comprehensive Debtor Education Courses from Springboard
If you file a bankruptcy petition with the court, you will be required to complete an approved 2-hour debtor education course within a specific time from your § 341(a) Meeting of the Creditors in order to get debts in your bankruptcy petition discharged. If a Chapter 7 bankruptcy petition is filed, you will have 60 days to complete the approved debtor education course from the time of the § 341(a) Meeting of the Creditors. If a Chapter 13 bankruptcy petition is filed, the time allotted to complete an approved debtor education course could be much longer. If a Debtor Education Completion Certificate is not obtained by the required due date, the case may be closed by the court and the debts in your bankruptcy petition may not be discharged.
* Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services.