Prebankruptcy Credit Counseling PDF Download
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Author: Noreen Clancy
Publisher: Rand Corporation
ISBN: 083304205X
Category : Business & Economics
Languages : en
Pages : 44
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Book Description
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 provided new requirements for bankruptcy filers and gave the U.S. Trustee Program (USTP) new areas of responsibility. One new requirement is that any individual filer must have received credit counseling during the 180 days before filing. USTP must develop measures of credit-counseling agency effectiveness, then apply those criteria to decide whether to reapprove those agencies. Complicating the effectiveness issue is the increased use of Internet-based credit counseling and whether the mode of delivery influences the counseling's adequacy and effectiveness. USTP asked RAND for help in examining what constitutes effective prebankruptcy credit counseling and how to measure it. The authors concluded that USTP should first explicitly identify the goals of prebankruptcy credit counseling; that there are no common standards or accepted sets of metrics for USTP to adopt in whole; and that there are no accepted views on the various modes of delivery. They recommend that USTP use certain upcoming reports to inform the process of developing measures of effectiveness and approving or reapproving credit-counseling agencies; that it consider whether an agency up for reapproval is providing the services stated in its initial approval application, as well as any pre- and post-testing that the agency conducts; that it survey prebankruptcy credit counselors; that it choose a few measures of effectiveness; and that it take some debtor characteristics into account when measuring agency effectiveness.
Author: Noreen Clancy
Publisher: Rand Corporation
ISBN: 083304205X
Category : Business & Economics
Languages : en
Pages : 44
Get Book Here
Book Description
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 provided new requirements for bankruptcy filers and gave the U.S. Trustee Program (USTP) new areas of responsibility. One new requirement is that any individual filer must have received credit counseling during the 180 days before filing. USTP must develop measures of credit-counseling agency effectiveness, then apply those criteria to decide whether to reapprove those agencies. Complicating the effectiveness issue is the increased use of Internet-based credit counseling and whether the mode of delivery influences the counseling's adequacy and effectiveness. USTP asked RAND for help in examining what constitutes effective prebankruptcy credit counseling and how to measure it. The authors concluded that USTP should first explicitly identify the goals of prebankruptcy credit counseling; that there are no common standards or accepted sets of metrics for USTP to adopt in whole; and that there are no accepted views on the various modes of delivery. They recommend that USTP use certain upcoming reports to inform the process of developing measures of effectiveness and approving or reapproving credit-counseling agencies; that it consider whether an agency up for reapproval is providing the services stated in its initial approval application, as well as any pre- and post-testing that the agency conducts; that it survey prebankruptcy credit counselors; that it choose a few measures of effectiveness; and that it take some debtor characteristics into account when measuring agency effectiveness.
Author: Chad Van Horn
Publisher:
ISBN: 9780578622194
Category :
Languages : en
Pages :
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Book Description
Lessons learned from assisting more than 50,000 people with over one billion dollars of debt
Author: Todd Christensen
Publisher:
ISBN: 9781612060798
Category : Finance, Personal
Languages : en
Pages : 0
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Book Description
The Powerful, Practical Money Guide for Anybody and Everybody Ready to Swap Financial Insecurity for Financial Stability AND Success. LIVING PAYCHECK TO PAYCHECK? CHECK THIS OUT: Everyday Money for Everyday People stands on the shoulders of the great American tradition begun more than three centuries ago with Poor Richard's Almanac. After facilitating nearly a thousand workshops on the fundamentals of effective money management over the past decade, Todd Christensen based his first book, Everyday Money for Everyday People, on the discussions, tips, stories and ideas shared by the thousands of individuals and couples in attendance. It's a financial guidebook of the people, by the people, and for the people. This book is based on what works for everyday people. Saving is a commitment, not an amount! Inside you'll find:-Day-to-day money topics-Dos for building financial stability-Don'ts for minimizing financial stress-Steps to breaking out of the paycheck-to-paycheck spiral-Scores of inspirational financial quotes, stories and illustrations for you to live by
Author: Henry J. Sommer
Publisher:
ISBN: 9781602481145
Category : Bankruptcy
Languages : en
Pages : 1438
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Book Description
Author: Michael Greiner J D
Publisher: NorlightsPress
ISBN: 1935254308
Category : Business & Economics
Languages : en
Pages : 148
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Book Description
When you're in debt over your head, bankruptcy lets you make a fresh start without creditors tearing your life apart. In Bankruptcy 101, an experienced bankruptcy attorney takes you through the process of filing Chapter 7 without hiring an attorney. Filled with anecdotes, tips, and traps to avoid, this insider's guide includes four bonus appendices that are worth the purchase price. Bankruptcy is a tool. If creditors are making you miserable with garnishments, lawsuits, and other collections, you should know your rights and use them. That's what this book is all about.
Author: Stephanie Wickouski
Publisher: Beard Books
ISBN: 1587982722
Category : Law
Languages : en
Pages : 438
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Book Description
This authoritative treatise on bankruptcy fraud is an invaluable reference book for bankruptcy law practitioners, white-collar criminal lawyers, prosecutors, judges, restructuring professionals, and academicians. Bankruptcy Crimes is the only book extant on the subject and is unique in its dual perspective and analysis of criminality and bankruptcy law.
Author: Jason Chuah
Publisher: Edward Elgar Publishing
ISBN: 178811552X
Category : Bankruptcy
Languages : en
Pages : 646
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Book Description
Executory Contracts in Insolvency Law offers a unique, comprehensive, and up-to-date transnational study of the topic, including an analysis of certain countries which have never previously been undertaken in English. Written by experts in the field, with extensive experience of both research and professional experience, this is a groundbreaking investigation into the philosophies and rationales behind the different policy choices adopted and implemented by a range of over 30 jurisdictions across the globe.
Author: United States. Congress. Senate. Committee on the Judiciary
Publisher:
ISBN:
Category : Law
Languages : en
Pages : 184
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Book Description
Author: United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law
Publisher:
ISBN:
Category : Law
Languages : en
Pages : 274
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Book Description
Author: Cara O'Neill
Publisher: Nolo
ISBN: 1413329055
Category : Law
Languages : en
Pages : 280
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Book Description
The New Bankruptcy provides clear-cut information, worksheets, and strategies to help you figure out whether bankruptcy is the right solution for your debt problem. Find out: the differences between Chapters 7 and 13 whether you qualify for Chapter 7 (the means test) how the Chapter 13 repayment plan works which debts are discharged (wiped out) what happens to property, including homes, cars, and retirement accounts, and ways to handle debt problems without bankruptcy. The book also explains the bankruptcy process and includes sample, completed bankruptcy forms.
