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Prebankruptcy Credit Counseling
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Book Synopsis Prebankruptcy Credit Counseling by : Noreen Clancy
Download or read book Prebankruptcy Credit Counseling written by Noreen Clancy and published by Rand Corporation. This book was released on 2007 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 provided new requirements for bankruptcy filers and gave the U.S. Trustee Program (USTP) new areas of responsibility. One new requirement is that any individual filer must have received credit counseling during the 180 days before filing. USTP must develop measures of credit-counseling agency effectiveness, then apply those criteria to decide whether to reapprove those agencies. Complicating the effectiveness issue is the increased use of Internet-based credit counseling and whether the mode of delivery influences the counseling's adequacy and effectiveness. USTP asked RAND for help in examining what constitutes effective prebankruptcy credit counseling and how to measure it. The authors concluded that USTP should first explicitly identify the goals of prebankruptcy credit counseling; that there are no common standards or accepted sets of metrics for USTP to adopt in whole; and that there are no accepted views on the various modes of delivery. They recommend that USTP use certain upcoming reports to inform the process of developing measures of effectiveness and approving or reapproving credit-counseling agencies; that it consider whether an agency up for reapproval is providing the services stated in its initial approval application, as well as any pre- and post-testing that the agency conducts; that it survey prebankruptcy credit counselors; that it choose a few measures of effectiveness; and that it take some debtor characteristics into account when measuring agency effectiveness.
Download or read book Bankruptcy Reform written by Yvonne Jones and published by DIANE Publishing. This book was released on 2007-12 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Bankruptcy Abuse Prevention & Consumer Protection Act of 2005 requires individuals to receive credit counseling before filing for bankruptcy & to take a debtor education course before having debts discharged. Concerns were raised that the new requirements could expose consumers to abusive practices by credit counseling agencies or become barriers to filing for bankruptcy. This report examines: (1) the process of approving counseling & education providers; (2) the content & results of the counseling & education sessions; (3) the fees charged; & (4) the availability of & challenges to accessing services. Includes recommendations. Charts & tables.
Author :United States Government Accountability Office Publisher :Createspace Independent Publishing Platform ISBN 13 :9781976390364 Total Pages :60 pages Book Rating :4.3/5 (93 download)
Book Synopsis Bankruptcy Reform by : United States Government Accountability Office
Download or read book Bankruptcy Reform written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-09-15 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires individuals to receive credit counseling before filing for bankruptcy and to take a debtor education course before having debts discharged. Concerns were raised that the new requirements could expose consumers to abusive practices by credit counseling agencies or become barriers to filing for bankruptcy. GAO was asked to examine (1) the process of approving counseling and education providers, (2) the content and results of the counseling and education sessions, (3) the fees charged, and (4) the availability of and challenges to accessing services. To address these issues, GAO reviewed Trustee Program data and application case files, and interviewed a wide range of individuals and groups involved in the bankruptcy process.
Book Synopsis Bankruptcy and Credit Counseling for Low and Moderate Income Clients by : Massachusetts Continuing Legal Education, Inc. (1982- )
Download or read book Bankruptcy and Credit Counseling for Low and Moderate Income Clients written by Massachusetts Continuing Legal Education, Inc. (1982- ) and published by . This book was released on 1990 with total page 145 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Bankruptcy Reform by : United States. Government Accountability Office
Download or read book Bankruptcy Reform written by United States. Government Accountability Office and published by . This book was released on 2007 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States Government Accountability Office Publisher :Createspace Independent Publishing Platform ISBN 13 :9781719308229 Total Pages :34 pages Book Rating :4.3/5 (82 download)
Book Synopsis Bankruptcy Reform by : United States Government Accountability Office
Download or read book Bankruptcy Reform written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2018-05-18 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bankruptcy Reform: Value of Credit Counseling Requirements Is Not Clear
Book Synopsis Is Technology-Enhanced Credit Counseling as Effective as In-Person Delivery? by : John M. Barron
Download or read book Is Technology-Enhanced Credit Counseling as Effective as In-Person Delivery? written by John M. Barron and published by DIANE Publishing. This book was released on 2011-05 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Essential Credit Repair Handbook by : Deborah McNaughton
Download or read book The Essential Credit Repair Handbook written by Deborah McNaughton and published by Red Wheel/Weiser. This book was released on 2011-05-15 with total page 174 pages. Available in PDF, EPUB and Kindle. Book excerpt: The majority of debt-ridden consumers are in desperate need of financial budgeting and credit repair. The Essential Credit Repair Handbook contains all the information you need to walk you through the step-by-step process of repairing your credit and leaving debt behind! The book will teach you how to: Dispute late payments, charge-offs, and collection accounts Rebuild your life after a bankruptcy, foreclosure, or short sale Re-establish your credit in spite of a bad credit report Set new financial goals Understand the latest credit card laws and regulations The Essential Credit Repair Handbook is an easy-to-use guide for people who are getting over bankruptcy, foreclosure, short sale, or any financial hardship affecting their credit and are looking to rebuild or re-establish their credit.
Book Synopsis Surviving Debt by : National Consumer Law Center
Download or read book Surviving Debt written by National Consumer Law Center and published by . This book was released on 1992 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Before You File for Personal Bankruptcy by :
Download or read book Before You File for Personal Bankruptcy written by and published by . This book was released on 2006 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit Counseling and Consumer Bankruptcy for Low-income Clients by : New Hampshire Bar Association
Download or read book Credit Counseling and Consumer Bankruptcy for Low-income Clients written by New Hampshire Bar Association and published by . This book was released on 1997 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Credit Hell written by Howard S. Dvorkin and published by Wiley. This book was released on 2010 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: Each year, millions of Americans sink further into debt and the sad truth is that most Americans have been conditioned to believe that debt is a normal part of life. If credit problems are adversely affecting your life, there are ways to improve your financial situation, and Credit Hell: How to Dig Out of Debt can show you how. Written by Howard S. Dvorkin--a nationally known expert in the debt counseling field--Credit Hell walks you through the "getting-out-of-debt" process from assessing the state of your finances and developing a budget, to negotiating with your creditors, consolidating your debts, and rebuilding your finances after your money troubles are over. Filled with in-depth insights and practical advice, this user-friendly guide: Shows you how to deal with important debts like your mortgage, car loans, and taxes owed to the IRS Discusses why having a good credit history and a high credit score is important; how to order your credit report from each of the three national credit reporting agencies; and what you can do to improve your score and correct problems in your credit records Educates you about important laws that can protect you when applying for credit, using credit, or if a debt collector is hounding you Explains when filing for bankruptcy is your best option and provides you with an overview of the process If you want to dig yourself out of debt and stay out of debt in the future, pick up Credit Hell and discover the best way to regain control of your financial life.
Download or read book Drop Debt written by Harvey Warren and published by Greenleaf Book Group. This book was released on 2011-09 with total page 210 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the former president of the National Consumer Council, Warren has helped thousands of families find relief from crippling debt. Drop Debt is a continuation of his work, aimed at rescuing the millions of potential readers who are teetering on the edge of bankruptcy. This no-holds-barred examination of the American debt crisis reveals the inner workings of the personal debt industry, while presenting lessons and action plans for readers who want to reclaim a debt-free life. Readers will find relief in understanding that they are not alone in struggling with their financial problems.With powerful first-person testimonies, well-researched background material, and a conversational yet authoritative tone, the book provides readers with the confidence and the skills they need to overcome the shame of debt, take control of their finances, and live a comfortable life well in the black.
Book Synopsis Credit Counseling Requirements for Consumer Bankruptcy by :
Download or read book Credit Counseling Requirements for Consumer Bankruptcy written by and published by . This book was released on 2010 with total page 11 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Empty Mandate or Opportunity for Innovation? Pre-Petition Credit Counseling and Post-Petition Financial Management Education by : Karen Gross
Download or read book Empty Mandate or Opportunity for Innovation? Pre-Petition Credit Counseling and Post-Petition Financial Management Education written by Karen Gross and published by . This book was released on 2006 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: This article critiques two of the 2005 amendments to the Bankruptcy Code - one related to pre-bankruptcy counseling and the other related to post-filing debtor education. The article questions whether, when one looks beneath the surface, these new mandates actually improve the lives of consumer debtors. There are plenty of statutory requirements accompanying these new initiatives but these particularized requirements do not address the most critical issues, including establishing the goals of the counseling and education and the content of the required programming. In addition, we fear that the mandates will simply be an added cost of entering and exiting the bankruptcy system without providing concomitant benefits. That would mean we have created an empty mandate. We also provide suggestions for improvement that are feasible and do not require statutory amendment yet again.
Book Synopsis Credit Repair Tactical Guide by : J. C. Allen
Download or read book Credit Repair Tactical Guide written by J. C. Allen and published by . This book was released on 2021-11-22 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: A credit score is much more than just a number. A low score means worse interest rates on new lines of credit and a reduced likelihood of qualifying for loans. It can even jeopardize chances of getting a job and finding a place to live in some cases. Many people believe that when their debts are too high, they have no chance of repairing their credit score. However, this doesn't have to be the case as long as the knowledge of quickly raising one's credit score is understood. Credit excellence can be achieved through options like standard credit counseling, debt settlement, credit repair, and even bankruptcy.
Book Synopsis Live a Richer Life by : Council on Economic Education in Maryland
Download or read book Live a Richer Life written by Council on Economic Education in Maryland and published by . This book was released on 2005 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt:
