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Every day we help people manage their finances.
Rebuilding after Bankruptcy is an accomplishment worth celebrating. And getting there takes healthy financial habits. We can help. Check out our frequently asked questions below. Visit our resources section that has helpful handouts and financial calculators. And check out our blog, Sense and Centsibility,for posts about everything financially related.
Pre-filing Counseling: You can consult with an attorney either before or after your pre-filing bankruptcy counseling session. When you complete the pre-filing bankruptcy counseling, you will receive a certificate of counseling to give to your attorney. Your attorney can then file bankruptcy on your behalf.
Pre-Discharge Education: The next step is bankruptcy pre-discharge education. Ask your attorney how soon you need to complete the class. After completion of the class, you receive another certificate. Give this certificate to your attorney, in order to have your debts discharged at the appropriate time.
The fee for a pre-filing bankruptcy counseling session presented by one of our professional credit counselors is $75 for single or joint filers. LSS will waive the bankruptcy pre-filing counseling fee of $75 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.
The fee for the pre-discharge bankruptcy education class is $40 per person. LSS will waive the bankruptcy pre-discharge education fee of $40 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 currentFederal Poverty Levels Guidelines.
Yes, if you are a married couple, and both filing, you must both complete the education. You have three options to complete this requirement.
LSS Financial Counseling is a service of Lutheran Social Service of Minnesota, which serves all people and all incomes regardless of race, color, creed, religion, national origin, sex, sexual orientation, disability or age.
LSS Financial Counseling | 424 West Superior St. Suite 600, Duluth, MN 55802 | 888.577.2227