Memo on Credit Counseling Agencies a Credit Counseling Agencies Before

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					                           Memo on Credit Counseling
                           Agencies.
a. Credit Counseling       The 2005 Bankruptcy Reform Act Amendments require
Agencies. Before you       you to enroll in a "Credit Counseling Briefing" class, from
file for Bankruptcy, you   a US Trustee certified credit counseling agency, before
must receive a briefing    filing bankruptcy. This required class costs around $65.
from a Credit Counseling   The agency will explain financial management and how to
Agency.                    do a budget analysis, and will also discuss alternatives to
                           filing bankruptcy.

1. US Trustee certified    All About Bankruptcy & Credit
credit counseling          6295 Lehman Drive
agency.                    Suite B-101
                           Colorado Springs, CO 80918
                           800-969-2953
                           Internet: www.debtstoppers.org

2. US Trustee certified    Cornerstone Credit Counselors, Inc.
credit counseling          6860 S. Yosemite Ct. Suite 2103
agency.                    Centennial, CO 80918
                           303-694-0779

3. US Trustee certified    Consumer Credit Counseling Service of Colorado Springs
credit counseling          1233 Lake Plaza Drive, Suite A
agency.                    Colorado Springs , CO 80906
                           800-798-3328
                           Website: www.cccs.net

2. PreDischarge            After you file for bankruptcy and before getting your
Counseling.                bankruptcy discharge, you must complete an approved
                           Debtor Education Course: a personal financial
                           management course required by the Bankruptcy Abuse
                           Prevention and Consumer Protection Act of 2005. These
                           courses, which may be completed on line, cost around $45.
                           These courses concern living within a budget and not
                           getting yourself overextended with credit again.