www.moneymanagement.org Open in urlscan Pro
2a02:26f0:480:21::217:d122  Public Scan

Form analysis
4 forms found in the DOM

POST /api/sitecore/Accounts/Logout

<form action="/api/sitecore/Accounts/Logout" method="post"> <button class="logout-btn-link" type="submit">Log Out</button>
</form>

/search

<form action="/search" autocomplete="off">
  <input type="text" placeholder="Search MMI..." name="query" maxlength="600" class="empty">
  <button type="submit" class="mobile-search-form-submit"><i class="fa fa-search fa-rotate-90" aria-hidden="true"></i></button>
</form>

/search

<form action="/search" autocomplete="off">
  <input class="search empty" type="text" name="query" placeholder="Search MMI..." maxlength="600" autofocus="">
  <input type="submit" value="GO">
  <button type="button" class="close" aria-label="Close"><span aria-hidden="true">×</span></button>
</form>

<form id="sessionTimeOutForm">
  <p>Your session will expire in <span id="countdown"></span></p>
  <div class="links">
    <input aria-label="Continue Session" class="btn btn-primary medium" id="cancelTimeout" value="Continue Session" type="button">
    <input aria-label="Logout" class="btn btn-secondary medium" id="logoutTimeout" value="Logout" type="button">
  </div>
</form>

Text Content

Skip to Content

 * Log in
 * Log Out
 * Get Started
 * Blog
 * Locations
 * Español


Contact Us 866-889-9347

 * Debt Relief
 * Housing Services
 * Specialty Services
 * Financial Education


Debt repayment programs and information
 * Debt management plans
 * Credit card debt repayment
 * Credit counseling
 * Credit report reviews
 * Debt management plan: Average savings
 * Free online debt counseling

Consolidation without a loan
Debt Management Plans
Today is the day we conquer your debt. MMI can put you on the road to your
debt-free date. Let’s do it. Together.
Get started

Expert advice from HUD-certified counselors
 * Foreclosure prevention counseling
 * Rental eviction counseling
 * Homebuyer counseling
 * Reverse mortgage counseling
 * Online homebuyer courses

Featured Service
Foreclosure Counseling
Housing concerns are on the rise. If you need help, our HUD-certified counselors
are here for you.
Learn more

Specialty services from the counseling leader
 * Bankruptcy counseling
 * Student loan counseling
 * Disaster recovery counseling

Featured Service
Bankruptcy Counseling
Facing bankruptcy? You may have more options than you think. Our counselors can
help you find the best path forward.
Learn more

Free educational resources from our money experts
 * Blog Posts
 * Budget Guides
 * Podcast
 * Webinars
 * Workshops
 * Online homebuyer courses
 * Education for Military Families

Featured Blog Post
What Beginners Should Know About Credit Cards
Used mindfully, credit cards open up all types of convenient doors, but if used
unwisely, they can also dig you into a financial hole.
Read More


 * Log in

 * Debt Relief
   * Debt management plans
   * Credit card debt repayment
   * Credit counseling
   * Credit report reviews
   * Debt management plan: Average savings
   * Free online debt counseling
 * Housing Services
   * Foreclosure prevention counseling
   * Rental eviction counseling
   * Homebuyer counseling
   * Reverse mortgage counseling
   * Online homebuyer courses
 * Specialty Services
   * Bankruptcy counseling
   * Student loan counseling
   * Disaster recovery counseling
 * Financial Education
   * Blog Posts
   * Budget Guides
   * Podcast
   * Webinars
   * Workshops
   * Online homebuyer courses
   * Education for Military Families


 * Get Started
 * Blog
 * Locations
 * Español




×


BANKRUPTCY COUNSELING AND EDUCATION

Get the counseling and education certificates you need to complete your
bankruptcy.



WHO NEEDS BANKRUPTCY COUNSELING AND EDUCATION?


IN THE PROCESS OF FILING FOR BANKRUPTCY?

Then you’ve come to the right place. MMI offers bankruptcy filers the pre-filing
counseling and pre-discharge education courses required to complete your
personal bankruptcy. If you haven’t yet, we recommend working with a qualified
attorney to help you navigate this tricky process.


TRYING TO DECIDE IF BANKRUPTCY IS RIGHT FOR YOU?

Don’t pay for bankruptcy counseling before you’ve reviewed your options and
decided that bankruptcy is right for you. If you need help understanding your
options, start with a free credit counseling session. Credit counseling is a
confidential, judgment-free way to diagnose your financial challenges and the
right solution for you.


LEARN MORE ABOUT FREE CREDIT COUNSELING



HOW IT WORKS


BANKRUPTCY PRE-FILING CERTIFICATE

During your pre-filing bankruptcy counseling session, a certified credit
counselor will work with you one-on-one to develop a detailed personal financial
assessment. Your counselor will review your income, expenses, assets, and
liabilities. This in-depth bankruptcy credit counseling process will provide you
with a true and accurate picture of your financial situation, a reasonable and
manageable spending plan, a detailed action plan, and short and long-term
financial goals.

Upon completion of the bankruptcy counseling session, you’ll be issued a
certificate of participation that allows you to proceed with the bankruptcy
filing process. Certificates are delivered by email, fax, or mail.


BANKRUPTCY PRE-DISCHARGE CERTIFICATE

The pre-discharge education course covers a variety of financial and budgeting
topics, giving you the tools necessary to build a strong financial foundation.

You’ll discover how to set achievable financial goals, calculate your net worth,
create a livable budget, and build a savings plan. In addition, the program
facilitator will show you how to obtain credit reports, establish or
re-establish credit, dispute errors, and protect yourself from identity theft.

Upon completion of the pre-discharge bankruptcy course, you’ll be issued a
certificate of participation that allows you to proceed with the bankruptcy
filing process. Certificates are delivered by email, fax, or mail.

Pre-filing counseling
Services are available 8am - 5pm CT Monday - Friday.
Call 877-895-2227

Resources
 * Bankruptcy resources & articles
 * Visit our blog


Pre-discharge education
Services are available 8am - 5pm CT Monday - Friday.
Call 866-745-2227





LEARN MORE ABOUT BANKRUPTCY

Bankruptcy can be a long and complicated process. If you’re still researching
personal bankruptcy, here are some articles that our clients have found helpful.

Should you file for bankruptcy?
This checklist can help you determine if bankruptcy is right for you.
Read

Homeownership and bankruptcy
Learn what bankruptcy means for property owners.
Read

Types of bankruptcy
Explore the difference between chapter 7 and chapter 13.
Read



FREQUENTLY ASKED QUESTIONS

Still have questions about our bankruptcy counseling and education services?
Check out our most popular FAQs or give us a call to learn more.

How much does bankruptcy counseling and education cost?


HOW MUCH DOES BANKRUPTCY COUNSELING AND EDUCATION COST?

Each bankruptcy counseling and education session costs $50 to complete. The cost
is the same if you are filing jointly or as an individual. MMI is able to waive
fees 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.
How long is a bankruptcy counseling/education session?


HOW LONG IS A BANKRUPTCY COUNSELING/EDUCATION SESSION?

Pre-filing bankruptcy counseling typically takes between 45 minutes to an hour.
Pre-discharge education courses usually require a minimum of two hours to
complete.
Are services available in Spanish?


ARE SERVICES AVAILABLE IN SPANISH?

Services are available in English and Spanish. Additional languages are
available via an interpreter service.
Do I need an attorney to file for bankruptcy?


DO I NEED AN ATTORNEY TO FILE FOR BANKRUPTCY?

You are not required to use an attorney when filing for bankruptcy, however
bankruptcy laws can be complicated. Working with a trusted attorney can help
ensure a smooth process.
Does the bankruptcy counseling certificate expire?


DOES THE BANKRUPTCY COUNSELING CERTIFICATE EXPIRE?

Bankruptcy regulations require consumers to receive counseling within 180 days
of filing. If you choose to file more than 180 days past the date of your
initial bankruptcy counseling session, you will need to schedule another
appointment to talk with a trained bankruptcy counselor.
More questions?


MORE QUESTIONS?

Check out our complete list of bankruptcy counseling and education FAQs.



GET YOUR CERTIFICATES TODAY

Connect with MMI to begin your pre-filing counseling or pre-discharge education
session today! Available 8am-5pm (CT) Monday-Friday.

Pre-filing bankruptcy counseling
Must be completed at the beginning of the bankruptcy process.
877-895-2227

Pre-discharge bankruptcy education
Must be completed before bankruptcy is completed.
866-745-2227

Resources
 * Bankruptcy resources & articles
 * Visit our blog

 * Better Business Bureau
   MMI is proud to have achieved an A+ rating from the Better Business Bureau
   (BBB), a nonprofit organization focused on promoting and improving
   marketplace trust. The BBB investigates charges of fraud against both
   consumers and businesses, sets standards for truthfulness in advertising, and
   evaluates the trustworthiness of businesses and charities, providing a score
   from A+ (highest) to F (lowest).
 * Financial Counseling Association of America
   MMI is a proud member of the Financial Counseling Association of America
   (FCAA), a national association representing financial counseling companies
   that provide consumer credit counseling, housing counseling, student loan
   counseling, bankruptcy counseling, debt management, and various financial
   education services.
 * Trustpilot
   MMI is rated as “Excellent” (4.9/5) by reviewers on Trustpilot, a global,
   online consumer review platform dedicated to openness and transparency. Since
   2007, Trustpilot has received over 116 million customer reviews for nearly
   500,000 different websites and businesses. See what others are saying about
   the work we do.
 * Department of Housing and Urban Development
   MMI is certified by the U.S. Department of Housing and Urban Development
   (HUD) to provide consumer housing counseling. The mission of HUD is to create
   strong, sustainable, inclusive communities and quality affordable homes for
   all. HUD provides support services directly and through approved, local
   agencies like MMI.
 * Council On Accreditation
   MMI is proudly accredited by the Council on Accreditation (COA), an
   international, independent, nonprofit, human service accrediting
   organization. COA’s thorough, peer-reviewed accreditation process is designed
   to ensure that organizations like MMI are providing the highest standard of
   service and support for clients and employees alike.
 * National Foundation for Credit Counseling
   MMI is a longstanding member of the National Foundation for Credit
   Counseling® (NFCC®), the nation’s largest nonprofit financial counseling
   organization. Founded in 1951, the NFCC’s mission is to promote financially
   responsible behavior and help member organizations like MMI deliver the
   highest-quality financial education and counseling services.

×

Visit (Partner URL)
Connect With Us
Follow MMI on FacebookFollow MMI on XFollow MMI on YouTubeFollow MMI on
InstagramFollow MMI on LinkedIn
 * About MMI
 * Newsroom
 * Careers
 * Reviews
 * Partnerships


 * Licenses & Disclosures
 * Privacy & Usage Agreement
 * Sitemap


© 2024 Money Management International
12603 Southwest Freeway, Suite 450, Stafford, TX 77477

Money Management International is a 501(c)(3) nonprofit organization.
We do not lend money.
NMLS ID 897900

Back to Top
×






×
Session Timeout

Your session will expire in