OFFICE LOCATION:
25600 Woodward Avenue, Suite 214, Royal Oak, Michigan 48067
248-398-9900 248-398-9900
Credit Counseling

Credit Counseling

APPROVED CREDIT COUNSELORS

  • You are required to complete a total of 2 portions for financial counseling before you can receive your discharge. These are commonly referred to as “Entrance Counseling” and “Exit Counseling”.
  • Chapter 7:
      • Entrance Counseling Certificate due before filing of bankruptcy case. A case cannot be filed without it.
      • Exit Counseling Certificate (budgeting course) due within the first 45 days after your 341 Hearing or case automatically dismissed. (You are STRONGLY URGED to complete before the 341 hearing.)
  • Chapter 13:
      • Entrance Counseling Certificate due before filing of bankruptcy case. A case cannot be filed without it.
      • Exit Counseling Certificate (budgeting course) due before your case completes. Failure to obtain will result in denial of discharge. (You are STRONGLY URGED to complete 3 months before your case is scheduled for completion.) Nothing prevents you from doing this at the beginning of your Chapter 13 case; in fact, you may find the information to be beneficial to you as you cope with your Chapter 13 case.
  • You can expect your counseling sessions to last about an hour or so. Counseling can be conducted by phone, in person, or on the internet. If by phone or internet, usually prepayment is required. Each agency varies in their requirements.
  • Cost is usually around $50 for one session and approximately $95 for both. You do not need a “Client code,” “attorney authorization,” etc, as you pay the agency directly for your counseling.
  • Please have the certificates of completion emailed to us: shirleyhorn@sbcglobal.net. If your counselor does not have email capability, then please fax to 248-398-9902.

For your convenience, listed below are a few of the most commonly used credit counselors by this office and those whom other Client(s) have had success. This is true, however, because they were the original approved agencies. We welcome our clients seeking other agencies so that we may better assess how they operate. All of the attached agencies have been pre-screened by the US Trustee’s office and are specially trained to handle the bankruptcy certification requirements. You will do well with any choice.

Abacus Credit Counseling
Visit their website: www.abacuscc.org
Pre-Filing Credit Counseling $25.00 for individual or couple – (online only)
Pre-Discharge $35.00 online OR $45.00 over phone for individual or couple – (online/phone)

Debtor Wise Foundation
800-849-3036 OR visit their website: www.debtorwise.org(online/phone)
Pre-Discharge Credit Counseling $15.00 for individual or couple

Cricket Debt Counseling, Inc.
866-719-0400 OR visit their website: www.CricketDebt.com
Pre-Filing Credit Counseling $36.00 for individual or couple – (online/phone)
Pre-Discharge Credit Counseling $24.00 for individual or couple – (online only)

GreenPath, Inc.
1-866-332-8435 OR visit their website: www.greenpathbk.com
Pre-Filing & Pre-Discharge Credit Counseling $50.00 for individual or couple – (phone/online)

FOR A COMPLETE LIST OF MORE CREDIT COUNSELORS:
CLICK HERE

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