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Bankruptcy is not a simple process. It can be a painful decision, even when it's the right decision. The last thing you want to do is make your bankruptcy filing more complicated than it needs to be.
For your convenience, MMI offers pre-filing bankruptcy counseling and pre-discharge bankruptcy education online, over the phone, and in-person in select locations. When you're ready to receive these critical services, we're here.
While MMI's bankruptcy services are available to anyone, the target audience for pre-filing counseling and pre-discharge education is consumers who have already decided to begin the bankruptcy filing process. We recommend working with a qualified attorney to help you navigate this sometimes tricky process.
If you're unsure whether or not bankruptcy is the right path for you, consider first speaking with a certified credit counselor. Credit counseling is free and may help you better understand the severity of your situation. Your counselor can also provide potential alternatives to bankruptcy, if appropriate.
LEARN MORE ABOUT CREDIT COUNSELING
Bankruptcy counseling and education are both crucial requirements of the filing process. You can't proceed through your filing until you've received a certificate confirming that you've completed your counseling session; likewise, you can't officially discharge your included debts until you have proof that you've completed your education session.
Upon completion of each session, your certificate will be delivered quickly, through your choice of email, fax, or standard mail.
Pre-filing counseling (required to begin the filing process)
By phone | 877.895.2227 - counselors available 8am-8pm (CT) Mon-Thurs, 9am-6pm (CT) Fri.
In person | 877.895.2227 - available by appointment only (see location map)
Online | available 24/7 at BankruptcyCertificate.com
Telephone interaction with a counselor is required before the session is complete and a certificate issued.
Pre-discharge education (required prior to discharge of debts)
Online | available 24/7 at BankruptcyCertificate.com
Once you've consulted with an attorney and decided that bankruptcy is the right course of action for you, your next step will be to complete your mandatory counseling session.
Pre-filing bankruptcy counseling involves a thorough review of your current finances, including your debts, assets, and income. There is also important information about the filing process and potential impact of filing for bankruptcy. You can work at your own pace using the online counseling service, or complete this step one-on-one with a trained counselor. Within 24 hours of completing counseling you will receive your certificate.
Before your debts can be discharged, you'll need to provide proof that you've completed the required bankruptcy education course.
Pre-discharge bankruptcy education is designed to give you the knowledge and insight needed to build a strong financial foundation following your bankruptcy. You will learn how to set and meet goals, build a positive credit history, and live within your means. Following the completion of the course, you will receive a certificate which will allow you to complete the filing process.
Making the decision to file for bankruptcy is just the start of the journey. If you haven't already, be sure to find a trustworthy attorney who can help you navigate the entire process. And once you're ready to complete your required bankruptcy counseling and education courses, consider working with MMI. We have decades of experience helping consumers get out from under debt and start over on surer footing.
Consumer Federation of America
National Council of Higher Education Resources
The National Council of Higher Education Resources (NCHER) is the nation’s oldest and largest higher education finance trade association. NCHER’s membership includes state, nonprofit, and for-profit higher education service organizations, including lenders, servicers, guaranty agencies, collection agencies, financial literacy providers, and schools, interested and involved in increasing college access and success. It assists its members in shaping policies governing federal and private student loan and state grant programs on behalf of students, parents, borrowers, and families.
Homeownership Preservation Foundation
Since 2007, the Homeownership Preservation Foundation (HPF) has served as a trusted, neutral source of information for more than eight million homeowners. They are partnered with, and endorsed by, numerous major government agencies, including the U.S. Department of Housing and Urban Development and the Department of the Treasury.
Department of Housing and Urban Development
The mission of the U.S. Department of Housing and Urban Development (HUD) is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD works to strengthen the housing market in order to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; and build inclusive and sustainable communities free from discrimination.
Council On Accreditation
The Council on Accreditation (COA) is an international, independent, nonprofit, human service accrediting organization. Their mission is to partner with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.
National Foundation for Credit Counseling
The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.
