These courses are also referred to as the pre-filing and post-filing courses. Abacus Credit Counseling is an approved credit counseling agency, and sage personal finance is an approved debtor education provider.* Together, we offer a convenient and affordable solution for your bankruptcy courses.

Estate planning important for New Yorkers who own Florida property – Buffalo Business First Estate and Business Planning Legal Blog Sunday, December 16, 2012. assuming you continue to own real property in New York, and you may also lose your $250,000 per person capital gains tax exclusion on the sale of your New York property, depending on when you sell it.. New York/Florida.

You take a course in music at many institutions, the faculty-student relationship can be one-on-one. Moreover, we provide all kinds of services that weren’t provided when I was in college – counseling.

Abacus Credit Counseling is a non-profit organization founded by bankruptcy and financial professionals that provides consumer credit counseling. In partnership with Sage Personal Finance, we bring you the courses you need for your bankruptcy case.

50 years of non profit credit counseling We Offer the Most Innovative Online Credit Card Counseling Tools in the Industry. Our services have helped over 400,000 consumers become debt free. We want to help YOU! Start your online credit card counseling session It’s quick, easy and FREE!

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Bankruptcy Course Version $10 Money Sharp is a fully approved agency. We offer both Pre-filing and Post-filing Bankruptcy courses.

Pre-bankruptcy Credit Counseling. Clearpoint’s online pre-bankruptcy credit counseling (also referred to as “pre-filing” or “pre-petition” counseling) allows you to earn the certificate that is required by US Bankruptcy Code before you can file for bankruptcy.

Required Debtor Education Course. As per the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), consumers who would like to receive a discharge of a Chapter 7 or Chapter 13 bankruptcy are required to complete a personal financial management session with an approved counseling agency.

A pre-bankruptcy counseling course typically cost about $50. Credit counseling agencies are required by law to provide the counseling for free if you are unable to pay. After you finish the pre-bankruptcy credit counseling session, you will receive a credit counseling certificate that’s valid.

For a significant number of lower-income households, that $8,000 would mean paying off all credit-card debt or owning their car free and clear. For most of them, it would more than cover the cost of.