Need recommendation for a legitimate pre-bankruptcy credit counseling service?

Question

I hear and read that there are a lot of scary companies out there looking to rip people off and make their situations even worse, including some of the so-called "non-profits." Just need a company that will do straightforward credit counseling that meets the bankruptcy court's pre-filing requirement. Thanks in advance.

Answer 1

Call CCCS 1800-251-2227 or go to the website at www.cccsinc.org.  You can do the requirements for $50.  There are 3 options.  go to meeting, by phone or by internet.

Answer 2

http://www.hummingbird.org/

Answer 3

You can search the entire list of legitimate approved counseling agencies from the US Dept of justice website.

http://www.usdoj.gov/ust/eo/bapcpa/ccde/...

Look at several of them that are approved for your state, as the fees can vary.  Average cost is $50 to $60 for each step (the pre-BK and the post-341 meeting required classes).

The lowest I've seen is Springboard (for online, if you do both certs. with them, the pre-bk is $55 and the post-341 is only $35)

http://www.bkhelp.org/att.fees.php

Answer 4

You can try greenpathbk.com    That's who I used, the usual fee is 50.00 for the first half and 50.00 for the last half after you have your 341 Creditors Meeting. You can do the credit counseling right over the phone.

Good Luck!