BANKRUPTCY FILERSChanges 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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