Bankruptcy Credit Counseling Timothy G. Cook, Attorney at Law Attorneys Atlanta Georgia

YOU MUST TAKE CREDIT COUNSELING PRIOR TO FILING BANKRUPTCY

This is a list of most of the Credit Counseling Agencies approved for Courts in Georgia. You will find that average fee is $50.00. Most of the agencies offer both online and on the phone counseling. The session will normally take about an hour. You need to have a rough household budget prepared prior to calling or going online. Figure out what you monthly household income is and what your monthly household expenses are. If you are in a hurry to file you need to use an agency that can either send you or us a Certificate of Completion of the course in PDF format by email. When you call ask them the following questions.

•1. Are they approved in the Northern District of Georgia?

•2. Can they email you a certificate of completion and how long does it take to get the certificate?

•3. If they are mailing you a certificate how long before they mail it.

•4. Do they offer any discount if you go back to them to take the required financial management class later?

We have listed that prices for counseling that were on the website for the agency as of March 2007. Be aware that we do not control pricing and they may quote you a different price when you call. You may have to shop around for a deal.

Allen Credit and Debt Counseling Agency	888-415-8173	http://www.acdcas.com/	$50.00 Single $75.00 for couple
Alliance Credit Counseling, Inc.	888-594-9596	http://www.knowdebt.org/	$50.00 Single $75.00 Couple
Best Credit Service, Inc.	800-435-7227	http://www.bestcs.org/
Black Hills Childrens Ranch, Inc.	800-888-1596	http://www.pioneercredit.com/
Consumer Credit Counseling Service	866-672-2227	http://www.cccs-express.org/	$50.00 Single
Consumer Credit Management, Inc.	888-821-4357	http://www.ccmcanhelp.com/	$50.00 per household
Consumer Debt Counselors, Inc	800-290-9232	http://www.consumerdebtcounselors.com/	$50.00 Single
Credit Advisors Foundation	800-625-7725	http://www.yourbankruptcypartner.com/	$50.00 per household
Credit Counseling Centers of America	800-493-2222	http://www.ccamerica.org/	$30.00 online $50.00 by phone
Cricket Debt Counseling	866-719-0400	http://www.cricketdebt.com/	$36.00 per household
Debt Reduction Services, Inc.	877-688-3328	http://www.debtreductionservices.org/
GreenPath, Inc.	800-630-6718	http://www.greenpathbk.com/	$50.00 Single $ 60.00 Couple
Hummingbird Credit Counseling and Education, Inc.	800-645-4959	http://www.nbcce.org/	$49.00 Single
Institute for Financial Literacy, Inc.	866-662-4932	http://www.financiallit.org/	$ 50.00 Single
Money Management International, Inc.	877-918-2227	http://www.moneymanagement.org/	$50.00
Pacific Rim Institute for Development and Education	310-740-2777	http://www.bkedcert.com/	$50.00 Single $75.00 Household
Partnership for Families, Children and Adults, Inc.	800-459-2227	http://www.nfcc.org/
Springboard Nonprofit Consumer Credit Management	800-947-3752	http://www.credit.org/	$55.00 per household
The Family Center of Columbus, Inc.	800-757-2227
University of Missouri-Columbia Office	573-882-2173	www.missouri.edu/~cfewww/financial	$50.00 single $60.00 couple

Timothy Gordon Cook

PERSONAL FINANCIAL MANAGEMENT CLASSES

LIST OF APPROVED CREDIT COUNSELING AGENCIES

YOU MUST TAKE A PERSONAL FINANCIAL MANAGEMENT CLASS WITHIN 45 DAYS OF THE MEETING OF CREDITORS IN YOUR BANKRUPTCY CASE

We have listed the prices for counseling that were on the website for the agency as of October, 2007. Be aware that we do not control pricing and they may quote you a different price when you call. You may have to shop around for a deal.

Company Name	Telephone Number	Website	Cost for Class
A 24/7 Bankruptcy Class Inc	866-412-7247	http://www.advantageclass.com/	$17.50
AAA Financial Services	877-AAA-4547	http://www.aaapersonalfinance.com/	$15.95
A Better Financial Education	877-930-9600	http://www.smartmoneysense.com/	$39.95
Allen Credit and Debt Counseling	888-415-8173	http://www.acdcas.com/	$50 - Single $75 - Couple
Alliance Credit Counseling	888-594-9596	http://www.knowdebt.org/	$50 - Single $75 - Couple
American Bureau of Credit Srvcs	800-701-0437	http://www.americanbureauofcredit.com/	$49.00
American Debtor Education	888-332-8331	http://www.americandebtor.com/	$40 - Single $50 - Couple
American Debtor Educators On-line	310-477-9982	http://www.debtor-ed.com/	$50 - Single $65 - Couple
Anzelc & Associates	888-265-6676	http://www.anzelcandassociates.com/	$45 - Internet $65 - Telephone
Arbor Investments	800-625-7725	http://www.arbored.com/	$50
AskAFS, LLC	888-883-2675	http://www.askafs.com/	$49.95
Bankruptcy Debtor Education	866-969-2533	http://www.bankruptcydebtoreducation.com/	$29.99
Consumer Credit & Budget	609-390-9652	http://www.cc-bc.com/	$50 - Single $60 Couple
Consumer Credit Counseling Service of Augusta, Inc	706-736-2090	http://www.cccsaugusta.org/	$50
Consumer Credit Counseling Service of Greater Atlanta, Inc	866-672-2227	http://www.cccsinc.org/	$50
Consumer Credit Management	248-539-1221	http://www.ccmcanhelp.com/	$50
Consumer Debt Counselors	407-599-0057	http://www.consumerdebtcounselors.com/	$50
Consumer Education & Training Services	206-267-7017	http://www.centsprogram.com/	$30 - Single $50 - Couple
Consumer Financial Solutions	208-375-8140	http://www.cfsidaho.com/	$35
Dalton Education LLC	877-426-2373	http://www.dalton-education.com/	$35 - online video $50 - internet live
Dave Ramsey's Financial Peace	888-227-3223	http://www.bankruptcy.daveramsey.com/	$25 - Single Online $45 - Joint Online $50 Single DVD $65 - Joint DVD
DBSM Inc	866-433-7035	http://www.ragsorriches.org/	$39
Debt Education and Certification	866-859-7323	http://www.debt-foundation.org/	$50
Economic Oppty Agency	479-872-7479	http://www.tabde.org/	$25
Financial Strategies Mortgage	317-566-0425	http://www.bkcourse.com/	$50 - Single $75 - Joint
Hananwill Financial Education	866-544-5557	http://www.hananwill.com/	$36
Money Management Intl	877-918-2227	http://www.moneymanagement.org/	$50
Pacific Rim Institute	800-845-7171	http://www.bkedcert.com/	$50 - Single $75 - Joint
Priority One Credit Counseling	866-451-4667	http://www.priorityoneccs.com/	$40
Stand Sure Information Services	877-750-0851	http://www.pfmcourse.com/	$24.99
Start Fresh Today	877-525-2313	http://www.startfreshtodayinstructional.com/	$49
Vintures, LLC	877-305-3836	http://www.onlinebankruptcyschool.com/	$29
Your Money Matters Institute	940-594-9051	http://www.yourmoneymattersinstitute.com/	$45