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Do you have a question about Money Management International? Read from our list of bankruptcy counseling frequently asked questions.  You can also select from topic areas to find answers to specific questions.  If you don't find what you're looking for, use the SEARCH function in the top right corner of the navigational bar.


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Q: How much does the bankruptcy counseling session cost?

A:
The fee for the pre-filing bankruptcy counseling session by one of our professional credit counselors is $50 for single or joint filers. MMI will waive the bankruptcy pre-filing counseling fee of $50 for consumers whose household income is equal to or less than 150 percent of the estimated poverty threshold for their applicable family size as published in the current Federal Poverty Levels Guidelines.

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Q: Does the bankruptcy counseling certificate expire?

A:
Bankruptcy regulations require consumers to receive counseling within six months of filing. If you choose to file more than six months past the date of your initial bankruptcy counseling session, you will need to schedule another appointment to talk with a trained bankruptcy counselor.

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Q: Do I need an attorney to file bankruptcy?

A:
Consumers filing for bankruptcy protection can file on their own; however, bankruptcy laws can be quite complicated. A trusted attorney may prove to be helpful.  To find a bankruptcy attorney, consumers can ask someone they trust to recommend a good attorney or contact a Lawyer Referral Service sponsored by a State Bar Association. Filers should make sure that their lawyer specializes in bankruptcy. Potential attorneys should be asked specific questions about their qualifications and fee structure.  Finally, consumers should schedule time to meet with the lawyer to determine if they are comfortable working with this person. Filing bankruptcy can be an emotional event so it is important for filers to have a good relationship with their attorney.

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Q: Is my information submitted through this Web site secure?

A:
Yes, our company is committed to maintaining your privacy and online confidentiality. MMI has produced a privacy statement that outlines the steps that we have taken to ensure that any information or data that you provide is kept confidential and cannot be used improperly.

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Q: What happens after I have submitted my information online?

A:

A counselor will contact you to discuss the details of your proposed Debt Management Plan. Our professional, certified counselors will assess your financial situation, assist in creating a spending plan, and discuss options for debt repayment

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Q: What type of ongoing customer support can I expect?

A:

After you make your first deposit, our support counselors are available to assist you in reaching your financial goals. As a client, access to detailed information about your repayment program is available anytime through Client Access, which is accessible through this Web site.

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Q: How do I begin?

A:

To begin on the path to financial freedom, simply complete the online counseling form or call a counselor directly. To assist in expediting either counseling process, have your most recent creditor statements available for quick and easy reference.

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Q: How long does the counseling process take?

A:

The counseling process is different for every person. However, having your most recent statements available at the time of counseling can help reduce the process time.

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Q: How many creditors do you work with?

A:

MMI has an established network within the creditor community. With over 46 years in the credit counseling industry, we have developed strong relationships with many of the nations major credit corporations. We work with all unsecured creditors including doctors, attorneys, finance corporations, and collection agencies.

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  The Department of Housing and Urban Development (HUD) sponsors housing counseling agencies to provide free or low cost advice on buying a home, renting, defaults, foreclosures, and credit issues.The Association of Independent Consumer Credit Counseling Agencies (AICCCA) is a national membership organization, established to promote quality and consistent delivery of credit counseling services.The National Foundation for Credit Counseling (NFCC) is the nation’s largest and longest serving national nonprofit credit counseling network.The Council on Accreditation (COA) partners with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.HOPE NOW is an alliance between counselors, mortgage companies, investors, and other mortgage market participants.