Pre-Filing Requirement / Credit Counseling:
Rural
Services of Indiana, Inc. is approved as a non profit budget and credit counseling agency to provide services to individuals in the judicial districts of eleven States Served in compliance with the Bankruptcy Code by the U.S. Trustees Office*. This counseling session is titled a Comprehensive Credit Counseling.
The Comprehensive Credit Counseling consists of a detailed budget analysis.The Budget Analysis is a review of the applicant's Income, Debt, and household operating expenses. From this review problem areas are identified and recommendations are made to improve negative situations and change past behaviors. The individual's financial information is collected by one of three methods:
Once the financial information is received by the agency a personal telephone consultation is scheduled, in many instances this process can be completed within the same business day. RSI provides each applicant with information on how to obtain a free Credit Report.
Upon completion of the Comprehensive Credit Counseling applicants shall be issued a certificate in compliance with the Bankruptcy Code and a copy of their Budget Analysis to be shared with their Bankruptcy Attorney in the event they choose to file.
Fees - payable only by credit or debit card, cashier's check or money order.
$25.00 per applicant
$50.00 for joint apllicants
Register by phone with debit or credit card at 1-800-288-6581
-or-
Return the Registration Form with a cashier’s check, money order, or credit card information to:
Comprehensive Credit Counseling of RSI
60918 US 31 South
South Bend, IN 46614
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Post Filing Requirement / Personal Financial Management Workshop
Rural Services of Indiana, Inc. is approved by the U.S. Bankruptcy Trustees Office to issue certificates evidencing completion of a personal financial management instructional course to individuals in eleven States Served in compliance with the Bankruptcy Code*. This course is titled the Personal Financial Management Workshop.
The Personal Financial Management Workshop is an interactive course which challenges the participants to make positive changes in their financial world. This workshop is broken down into three sections presented telephonically:
Contact our office for the Monthly Workshop Schedule that is offered over the phone, or register and take the workshop instantly online!
Budget Development In this section the participants learn to set long term financial goals, calculate monthly gross and net income, and identify expenses as fixed, variable or periodic.
Money Management The second section of the Workshop assists the participants in developing the skills to keep adequate financial records, develop decision-making skills to distinguish between needs and wants, and develops the importance of savings.
Wise Use of Credit The final section discusses debt warning signs, types and costs of credit, and appropriate use of credit. Credit risk scores and their impact are explored.
Clients utilizing our agency for both Pre-Filing and Post-Filing requirements are eligible for a discount on the Post-Filing requirement.
Fees - payable only by credit or debit card, cashier’s check or money order.
$25.00 per applicant
$50.00 for joint applicant
Register by phone with debit or credit card at 1-800-288-6581
-or-
Return the Registration Form with a cashier’s check, money order, or credit card information to:
Comprehensive Credit Counseling of RSI
60918 US 31 South
South Bend, IN 46614 |
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