![]() Here is a list of US Trustee approved Texas pre-bankruptcy credit counseling services: If you attempt to fulfill the requirement, and cannot before you are compelled to file bankruptcy, you may petition the court to take the course after you file. You are not required to take the Texas credit counseling if you are on active military duty in a combat zone or you are physically or mental impaired to such an extent that you cannot fulfill the credit counseling requirement. Once you complete the course you will receive a certificate that you must file along with your bankruptcy petition. You will be prompted to enter my email address.Before you file for bankruptcy you need to take a credit counseling course that has been approved for Texas bankruptcy filers. This provider sends the certificate to both my clients and I and advertise to be the lowest debtor education class available. $25 Joint/SingleĪLP (Always the Lowest Price Debtor Education) 7.95/Couple/Single (for single or joint $30 Credit Counseling $25 debtor education) $25 Credit Counseling $35 Debtor Education Provides both classes (Single or Joint: Credit Counseling $35 Debtor Ed. ($50 for credit counseling/ household Debtor Education $50/person online) $35 Credit Counseling $15 Debtor Education. Free for Single Parents, Debtor’s on fixed incomes, and Active Duty Military Personnel and Veterans. This provider provides both classes for $38.00. ($35/single $45/couple) and the debtor education classes ($45/single or couple w/’ $10 off if repeat). $25 Credit Counseling $15 Debtor Education – Pioneer Credit Counseling (Black Hills Children Ranch) No Debtor Education Course Cricket debt counseling Enter coupon code “EFC1115” DebtorWise FoundationĬredit Counseling $25 Debtor Education $15 Provides both classes for $9.95 per household Attorney Code is T130.Įvergreen has agreed to provide classes to my clients at a discount price of $10 per class. Provides both classes for $9.95 per household per class. Provides both credit counseling classes and the debtor education classes, $34 total for both the pre-filing and the post-filing class. The following are other providers that I have used upon occasion and do as good of job as any others. For this reason I am now using them only. They also automatically file the certificate for the second class with the Bankruptcy Court, and are, as far as I know the lowest cost provider to do this. At the present time I generally add $18 to the cost of the bankruptcy and refer my clients to one provider which is as follows: This provider is as low or lower cost than any other provider. Chapter 7 debtors must complete a Debtor education class within 60 days after the first meeting of creditors, and Chapter 13 debtors must complete and file the debtor education class before they complete their plan. All individual debtors must file with their bankruptcy a certificate showing that they completed the Credit Counseling class within six months prior to filing. Links to Providers of Required Bankruptcy Classes The following are providers of classes required by the bankruptcy laws.
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