Debt Articles: Debt Collection:  Frequently Asked Questions What are time-barred debts? Statute of Limitations on Debt Collection State Statutes Re: Wage Garnishments Federal Law Regulating Wage Garnishments How Long Can a Creditor Enforce a Judgment? How to Handle Abusive Debt Collectors Recording Conversations with Debt Collectors How to Get a Collector to Stop Calling You at Home and Work Watch Out for Scavenger Debt Collectors When Debt Collectors Cross the Line:  Illegal Debt Collection Tactics  * Debt Relief -- Why Most Programs Have A 75% Failure Rate  * State Statutes on Debt Collection Fair Debt Collection Practices Act Defending yourself in court against a creditor or debt collector FTC actions against debt collectors

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Debt >  Bankruptcy  >  Bankruptcy Court Approved Credit Counselors

LIST OF CREDIT COUNSELING AGENCIES APPROVED PURSUANT TO 11 U.S.C., SECTION 111 APPROVED BANKRUPTCY COUNSELORS The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires those filing bankruptcy to obtain credit counseling from an approved agency in the six months immediately prior to filing bankruptcy.  A certificate of completion obtained from the credit counseling service must be submitted with the bankruptcy petition. The cost for the credit counseling varies -- from a low $20 to much higher.  Some counseling agencies provide online counseling, meaning that one can complete the counseling requirement online and receive a certificate of completion by mail. The list of approved credit counseling agencies is always changing, with counseling services being added and deleted on a regular basis.  To find a certified counseling agency in your state and area, visit the Department of Justice website.  The link is http://www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm

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LIST OF CREDIT COUNSELING AGENCIES APPROVED PURSUANT TO 11 U.S.C., SECTION 111 APPROVED BANKRUPTCY COUNSELORS The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires those filing bankruptcy to obtain credit counseling from an approved agency in the six months immediately prior to filing bankruptcy.  A certificate of completion obtained from the credit counseling service must be submitted with the bankruptcy petition. The cost for the credit counseling varies -- from a low $20 to much higher.  Some counseling agencies provide online counseling, meaning that one can complete the counseling requirement online and receive a certificate of completion by mail. The list of approved credit counseling agencies is always changing, with counseling services being added and deleted on a regular basis.  To find a certified counseling agency in your state and area, visit the Department of Justice website.  The link is http://www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm

Debt >  Bankruptcy  >  Bankruptcy Court Approved Credit Counselors

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Debt Articles: Debt Collection:  Frequently Asked Questions What are time-barred debts? Statute of Limitations on Debt Collection State Statutes Re: Wage Garnishments Federal Law Regulating Wage Garnishments How Long Can a Creditor Enforce a Judgment? How to Handle Abusive Debt Collectors Recording Conversations with Debt Collectors How to Get a Collector to Stop Calling You at Home and Work Watch Out for Scavenger Debt Collectors When Debt Collectors Cross the Line:  Illegal Debt Collection Tactics  * Debt Relief -- Why Most Programs Have A 75% Failure Rate  * State Statutes on Debt Collection Fair Debt Collection Practices Act Defending yourself in court against a creditor or debt collector FTC actions against debt collectors