In today’s world, there are several good reasons to consider completing bankruptcy counseling online, compared with a face-to-face or telephone session.

Cost.  A bankruptcy counseling online session typically costs less than one completed face-to-face or via telephone. Online costs are typically $30, whereas in-person counseling is usually $50.

Availability. An online bankruptcy counseling session, done using the Internet, is available 24 hours per day, 7 days per week, so you can complete it whenever it best suits your schedule.  There is no waiting to schedule a session; you can begin immediately.   A certificate of completion for the required credit counseling (sometimes referred to as budget briefing) and a second certificate for the required personal financial management course (sometimes referred to as debtor education) must be obtained prior to filing and prior to receiving a discharge.  With an Internet session, your certificate of completion is available online within minutes; you won’t have to wait for it to be mailed to you.

Accessibility. You can complete an online bankruptcy counseling session from the comfort of your home, or wherever you have secure, private, Internet access.  Completing it at home also gives you convenient access to your financial documents and other personal information that are likely to be needed for reference when taking advantage of all that the online bankruptcy counseling session can offer.

Flexibility.  If you need to pause your online bankruptcy counseling session for any reason (to collect information, to deal with an urgent situation, etc.), you can easily exit the session and return to the same point at a later time.

Anonymity. With less personal interaction, an online bankruptcy counseling session can offer more psychological distance between you and the emotions that may be involved. To begin an online bankruptcy counseling session, or to find out more, call 1-866-686-9032, or visit Bankruptcy Counseling.