To receive a discharge in either a Chapter 7 or Chapter 13 case, you must complete an instructional course concerning financial management. The certificate must be filed no later than forty-five (45) days after the date of the meeting of creditors in a Chapter 7, and no later than the date that you make the last plan payment in a Chapter 13 case.

The course can not be taken until after the bankruptcy has been filed. To verify that you have filed, the counseling agency will require that you give them your bankruptcy court case number.

We recommend that you obtain the Post-Filing certificate through cricketdebt.com. Cricket offers the course either online or over the phone. The online course is available at www.cricketdebt.com in English, Spanish, Chinese, Korean, Vietnamese, Russian, Tagalong and Romanian.

Other options include:

BE ADVISER at www.beadviser.com BE ADVISER only offers the course online. As of this date, the price is $11.00 for each debtor ($22.00 for a husband and wife).

DEBTHELPER.COM You can take the Post-Filing course through DEBTHELPER.COM either online or on the phone. As of this date, the online course is $14.00 for single or joint filers at www.mybkcounseling .com

The fee for the telephone course is $44.00 for single or joint filers. The telephone number is 1-800-920-2262. An appointment is recommended. Course material will be received by mail.