Sentences with phrase «certificate of credit counseling»

You must file a certificate of credit counseling completion when you file for bankruptcy protection.

Prospective bankruptcy filers would also need to present a certificate of a credit counseling course completion form an approved credit counseling agency, within 180 days before filing.

Not exact matches

The failure to timely file a properly issued credit counseling certificate will result in the dismissal of your bankruptcy case.

You will need a credit counseling course in which the requirement is a certificate of completion.

The credit counseling certificate of completion is part of the bankruptcy paperwork.

When the judge grants a Chapter 13 bankruptcy, you must submit your credit counseling certificate to the court by the date of your last payment in the repayment plan or the date the Motion for a Discharge is filed.

(1) A credit services organization, its salespersons, agents, and representatives, and independent contractors who sell or attempt to sell the services of a credit services organization may not do any of the following: (a) conduct any business regulated by this chapter without first: (i) securing a certificate of registration from the division; and (ii) unless exempted under Section 13 -21-4, posting a bond, letter of credit, or certificate of deposit with the division in the amount of $ 100,000; (b) make a false statement, or fail to state a material fact, in connection with an application for registration with the division; (c) charge or receive any money or other valuable consideration prior to full and complete performance of the services the credit services organization has agreed to perform for the buyer; (d) dispute or challenge, or assist a person in disputing or challenging an entry in a credit report prepared by a consumer reporting agency without a factual basis for believing and obtaining a written statement for each entry from the person stating that that person believes that the entry contains a material error or omission, outdated information, inaccurate information, or unverifiable information; (e) charge or receive any money or other valuable consideration solely for referral of the buyer to a retail seller who will or may extend credit to the buyer, if the credit that is or will be extended to the buyer is upon substantially the same terms as those available to the general public; (f) make, or counsel or advise any buyer to make, any statement that is untrue or misleading and that is known, or that by the exercise of reasonable care should be known, to be untrue or misleading, to a credit reporting agency or to any person who has extended credit to a buyer or to whom a buyer is applying for an extension of credit, with respect to a buyer's creditworthiness, credit standing, or credit capacity; (g) make or use any untrue or misleading representations in the offer or sale of the services of a credit services organization or engage, directly or indirectly, in any act, practice, or course of business that operates or would operate as fraud or deception upon any person in connection with the offer or sale of the services of a credit services organization; and (h) transact any business as a credit services organization, as defined in Section 13 -21-2, without first having registered with the division by paying an annual fee set pursuant to Section 63J -1-504 and filing proof that it has obtained a bond or letter of credit as required by Subsection (2).

You also need a copy of your credit counseling certificate and pay stubs from the past 60 days.

Your credit counselor may not charge extra for this certificate, and they must provide you with the certificate within 24 hours of the completion of your counseling.

These documents include copies of your driver's license, social security card, one year of bank statements, six months of payroll, two years of taxes, deed and mortgages, student loan documents, credit report, all outstanding bills and the credit - counseling certificate.