Posted by Poindexter on September 30th, 2011
Should I take a Bankruptcy Debt Counseling Class Online
A certified credit solutions company will be able to help you make a well informed decision about how to tackle your debt. With modern technology it is now possible to take a bankruptcy counseling course online. With an online course you?ll never have to leave your home and will be able to fulfill all that a court requires of you. If you have filed for bankruptcy you will be required by the court to complete a debt counseling course. If you haven?t filed yet a credit counseling course can help to teach you how to better manage finances and possibly help you avoid filing for bankruptcy.
An online credit course can help you learn how to read a credit report, learn how to qualify for credit, and understand how credit systems work. Speaking with a credit counseling agent can help you get the jump start you need in completing the bankruptcy and credit counseling process.
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Chapter 7 Credit Counseling:
The most common type of bankruptcy that is filed for is Chapter 7 bankruptcy. This case of bankruptcy is basically a liquidation of a debtor?s assets to benefit the creditors. This procedure allows for almost all of the debt to be discharged but there are limits to the protected assets. By taking a bankruptcy counseling course online you will be able to learn more about bankruptcy and how it can help you. The team of specialists will also analyze your financial review to help advise you on what steps to take in order to gain your financial freedom and get back on your feet.
Chapter 13 Credit Counseling:
Chapter 13 bankruptcy differs quite a bit from Chapter 7, in that the debtor is required to pay back the creditors over a specific length of time. Often the creditors agree to lower interest rates and maybe cut some of the late fees and the debtor is given a manageable payment plan for the next 3-5 years. Just as in Chapter 7 however, the debtor is still required to take a debt counseling course. Again these courses are now available online through an approved credit solutions company. Now you can take the course from the comfort of your own home on your schedule. If you work full-time that?s not a problem because you can log in to your course whenever it is convenient for you.
Kevin Porter is the president of Alliance Credit Counsleing in Charlotte North Carolina. Alliance Credit Counseling offers credit counseling, debt management, and bankruptcy counseling services to individuals and families all across America. They are a not for profit organization who cares for the financial success of American individuals and families.
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