What is the personal financial management certificate?
You receive the personal financial management certificate after you complete a debtor education course. You must complete the course to obtain your bankruptcy discharge. Most of the counselors that conduct the pre-filing counseling also conduct the debtor education course. It can be completed on-line or over the phone. The course takes approximately 90 minutes. 5. Do you provide alternatives to bankruptcy or post-bankruptcy services? Yes. We have a homebuyer assistance program and a credit repair program. These programs are helpful for debtors after filing bankruptcy. We also offer debt settlement and credit counseling programs as alternatives to filing bankruptcy. 6. What is a case reinstatement? Once a case is dismissed for failure to pay the bankruptcy trustee, we can often file a motion to reinstate the case. The reinstatement is successful if you can immediately become current in your payments to the trustee. You must be aware that the bankruptcy protection against foreclosure and
