The Debtor-Education Course consists of yearly free credit report Pennsylvania advice for budgeting and managing your finances and using credit wisely. It is usually longer than the pre-bankruptcy credit counseling but can also be taken over the phone, online or in person. The cost is around the same amount and can be from $50-$100. Again, if you are unable to afford the cost yearly free credit report Pennsylvania of the post-filing debtor education, you may be able to have the fee waived.
Both courses provide certificates that include special numbers in order to avoid fraudulent counseling and certificates, so make sure you check with the U.S. Trustee’s website to make sure the organization you are receiving counseling from is approved. view free credit report You can expect your lawyer (if you use one) to recommend a reputable company. If none of your creditors file an adversary proceeding to deny your right to discharge your debts, the court issues an order to discharge after the 60 day period has passed from your 341 Meeting. It can take up to 4 to 6 months after yearly free credit report Pennsylvania filing for bankruptcy to receive your discharge, but once you do you’re pretty much finished with the whole ordeal. credit reports from
Make sure to keep your paperwork and copies of the discharge because there will be creditors that somehow miss the memo and will contact you anyway. If this should occur, let them know when and where you have yearly free credit report Pennsylvania filed bankruptcy. If they need a copy of the discharge you may have to send them a copy as well, but note that it is illegal for the creditor to attempt to collect a debt after you have so much as filed the bankruptcy yearly free credit report Pennsylvania petition. If you yearly free credit report Pennsylvania continue to receive letters and phone calls from creditors yearly free credit report Pennsylvania after your discharge, be sure to forward those to your attorney, as it is illegal for them to continue to attempt to collect a debt that has been discharged. credit check score
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