THE DRAZIN LAW CENTER

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Debtor Education and Financial Management Certificates


Debtor Education Certificate:Prior to the filing of your Bankruptcy Proceeding, according to the 2005 change in the law, a Debtor Education Certificate must be obtained, from an approved Credit Counseling Agency, within one hundred eighty (180) days prior to the date of the filing of the Bankruptcy action with the Court. Your case can not be filed without obtaining a valid current Certificate. A current listing of the approved Credit Counseling Agencies may be obtained on-line from the U.S. Trustee's website; specifically: www.justice.gov/ust/eo/bapcpa/. We recommend counseling through Cricket Debt Counseling. Their contact information is:

Cricket Debt Counseling
www.cricketdebt.com
866-719-0400
(1st Certificate - $36.00)

Financial Management Course Certificate:After your Bankruptcy case is filed, you must obtain a Financial Management Course Certificate from an approved Credit Counseling Agency. If you do not obtain the same without the requisite timeframe, your case will be closed without the entry of an Order of Discharge. A current listing of the approved Credit Counseling Agencies may be obtained on-line from the U.S. Trustee's website; specifically: www.justice.gov/ust/eo/bapcpa/. We recommend counseling through Debtor 123. Their contact information is:

www.123debtor.com
Enter Priority Code: Q424
(2nd Certificate - $11.89 for 1 or $23.49 for joint)

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