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Bankruptcy Education Class

Advantage Credit Counseling Service is approved by the Executive Office of the United States Trustee to provide the required pre discharge bankruptcy education class and issue certificates. *

Advantage offers the pre discharge education class online in all states, excluding Alabama, North Carolina and Oregon, or in-person at 10 locations throughout Pennsylvania.

Get started now by selecting one of our 2 convenient class options below:

Bankruptcy Certificates will be issued:

Within three business days of confirmed completion of the Online class
At the conclusion of the In-person class.

Bankruptcy Classes cover the following topics:

Budget Development

Setting short-term and long-term financial goals
Calculating gross and net monthly income
Determining monthly expenses

Money Management

Keeping sufficient financial records
Distinguishing between wants and needs
Smart shopping tips
Maintaining adequate insurance coverage
Saving for emergencies, periodic expenses and goals

Wise Use of Credit

Identifying types, sources and costs of credit
Identifying the warning signs of unmanageable debt
Understanding appropriate uses of credit
Exploring alternatives to using credit
Understanding your credit score and credit report

Consumer Protection Laws
Consumer Resources

Costs
The class fee is $25 per person. For married couples, each spouse must separately complete the class. Advantage Credit Counseling accepts debit card payment made via the phone or money orders, cashier checks or Western Union. We do not accept personal checks.

In limited circumstances, the class registration fee may be waived if you fall within certain income guidelines. Documented proof of income must be submitted prior to registering for a class. If you feel you may qualify to have the fee waived, please contact the Education Department, toll-free at 866-430-2227.

You must have already completed the pre filing bankruptcy counseling session and have been issued a certificate and bankruptcy case number prior to taking this class. If you are uncertain when to take the class, please contact your attorney.

*ACCS is approved by the Executive Office of the Unites States Trustee tissue certificates in compliance with the Bankruptcy Code. Approval does not endorse or ensure the quality of the Agency’s services.

Advantage offers a convenient online solution to obtain your required bankruptcy certificate.

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Debt Counseling!

· Avoid Bankruptcy
· Reduce High
Interest Rates
· Stop Harassing
Creditor Calls

Call 866-699-2227 >>