Bankruptcy Counseling Solutions
Overview Pre-Discharge Education

Pre-Discharge Bankruptcy Counseling

ClearPoint Financial Solutions, Inc. is pleased to be an Executive Office for United States Trustee (EOUST) approved provider for pre-discharge bankruptcy counseling.* Our Financial Specialists are available via email to assist you during this process and to answer any questions that you may encounter as you complete these final steps.  We are proud to inform you that our Financial Specialists are trained and certified in accordance with the National Foundation of Credit Counselors (NFCC) standards along with years of experience in financial counseling and education.

Getting Started

Before you get started, please read the following to fully understand what requirements and timelines are anticipated for your next steps which is a requirement under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005:

1. Consumers must complete an instruction course on financial management. Completing this course will help you with your financial recovery.
   
   
2. The personal financial management course that you are required to take, Money in Motion, will be taken via internet. This course will provide you with valuable education in the areas of budget development, effective money management techniques, and information on consumer laws and regulations.
   
   
3. The course is provided online via the internet. The fee for this course is $50, services are offered without regard to a student’s ability to pay. It will take you approximately 2 hours to complete this self-study course. You will be required to read the material and take short quizzes throughout the self-study. It is a requirement under the new law that consumers spend an appropriate amount of time online studying the material to assure educational value.
   
   
4. To get started contact our Client Services Department at 877-524-9989. One of our Client Service Representatives will gather some basic information from you and will provide you with the disclosure forms, affidavit forms and instructions to get started with your pre-discharge education course. Please note that the affidavit must be signed by you and your attorney and it must be returned with a copy of a government issued picture identification card. If you are not being represented by an attorney, you will be required to have the affidavit form notarized and returned with the identification card.  
   
   
5. Once you complete the forms, you will need to return them to us by U.S. mail. Upon receipt and review, you will receive an email alerting you that you are now eligible to begin your online course.
   
6. Remember, you will need to devote 2 hours to this course; therefore please schedule your time accordingly. At the conclusion of this course and successful completion of the post-test and course evaluation, you will be provided with a certificate that you will need to present to your attorney or bankruptcy trustee.
   
   
7. If you have questions or require assistance at any point throughout this process, we will be happy to help you. Simply contact us at 877-524-9989 during the hours of 7:30 am - 8:30 pm ET Monday-Thursday, or on Fridays from 7:30 am - 6:00 pm.