BANKRUPTCY FILERS
Changes to the bankruptcy law, as a result of the Bankruptcy Abuse and
Consumer Protection Act of 2005, became effective on October 17, 2005.
Most individuals who file for bankruptcy after October 17, 2005 must
undergo 2 mandatory requirements:
1. Pre-Bankruptcy Counseling
2. Debtor Education Course
We are pleased to announce that Novadebt has been approved to issue certificates evidencing
completion of counseling and/or a personal financial management instructional course in
compliance with the Bankruptcy Code.
Please click on the links below to learn more about Novadebt’s pre-bankruptcy
counseling and debtor education course.
Pre-Bankruptcy Counseling
Debtor Education Course
Approved Provider of Pre-Bankruptcy Counseling
Novadebt has been approved to issue certificates evidencing completion of counseling in compliance with
the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider’s services.
Under the new act, individual debtors who file bankruptcy on
or after October 17, 2005, must undergo credit counseling within six months
before they file bankruptcy.
As an approved credit-counseling agency, Novadebt will provide pre-filing
credit counseling to consumers in need of fulfilling the requirements under
the new act. A thorough assessment of your financial situation including
establishing a budget analysis and the options available to help you will
be provided. A certificate will be provided upon completion of the
counseling session, which will enable you to proceed with the bankruptcy process.
Counseling is available by phone, on-line or in person. In order to contact
a certified counselor, please call 1-877-892-4557 or send an email to:
bkcounseling@novadebt.org.
Novadebt is here to help you achieve financial stability!
Approved Provider of Debtor Education
Novadebt has been approved to issue certificates evidencing completion of a personal financial
management instructional course in compliance with the Bankruptcy Code. Approval does not
endorse or assure the quality of a Provider’s services. The act
includes completion of a financial management instructional course prior
to discharge of debt when filing bankruptcy.
Novadebt has designed a debtor education course that will fulfill the financial
education requirement under the new act. The course is available in person
or by phone. You will receive course information and material needed in
order to comply with the new requirement. Upon successful completion of
the course, you will be able to proceed with the bankruptcy process.
If you are a consumer in need of the course in compliance with the
Bankruptcy Abuse Prevention and Consumer Protection Act, one of our
certified counselors can help you at 1-866-254-2660 or send an
email to: bkeducation@novadebt.org.
Novadebt's caring and professional staff is here to help you achieve
financial stability!
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