CREDIT COUNSELING
Pre-bankruptcy Counseling
Bankruptcy law requires that someone filing for bankruptcy complete a credit counseling session before the bankruptcy case is filed. The following nonprofit corporations are recommended for completion of this requirement:
Credit Counseling Center - located in Bucks County, PA
Free in-person counseling for renters
$36 for homeowners (in-person or over the phone)
www.BkClass.com (use Attorney Code: MichaelSchwartz)
$25 online
www.accesscounseling.com (use Attorney Code: E7FT233)
$25 online
Pre-discharge Counseling
Bankruptcy law requires that prior to receiving a discharge in bankruptcy, the Debtor must complete a 2nd credit counseling session. The following nonprofit corporations are recommended for completion of this requirement.
Credit Counseling Center - located in Bucks County, PA
$24 online
$11 online
Be sure the credit counselors email a copy of the certificate to my email at:
msbankruptcy@verizon.net
TRUSTEE REPORT ACCESS
In Chapter 13 cases, individuals make monthly payments to a Chapter 13 Trustee, who in turn makes disbursements to creditors. To obtain a case report from your Trustee, you can do so at the following website:
There, Select the "Access" menu item on the navigation bar along the top and select the Trustee's office to which you wish to apply. You will have to fill out a form and someone will contact you via e-mail when your account is activated. You can then keep tabs on your account with the Trustee.
