Bankruptcy Forms
Free Credit Reports
You are entitled to get a free credit report annually. If you have not taken advantage of this within the past twelve months, and would prefer to reduce your costs by ordering your free credit file, you should go to www.annualcreditreport.com, order all three reports for free and forward them to us.
Remember, If you do not include a debt in your bankruptcy, you will continue to owe the debt. You will not be able to refile in order to add it until after eight years. You should review your credit report carefully, in order to determine what debt should be included in your bankruptcy. If you have debt that you notice is not on your credit report, you should provide us with the debtor's name, address, the date and amount of the debt as well as your account number pertaining to the debt so that we may include it in your bankruptcy.
Items that are on your credit report that are paid in full, do not need to be included in your bankruptcy.
Pre Filing Debtor Education Certificate
This is REQUIRED with very few exceptions! We recommend going to www.debtoredu.com and taking the course online.
This will cost you roughly fifteen dollars. Once you log onto the course, you will be asked to provide our name as well as our
fax number. Please provide the following information: Cole Law Group fax# 866-292-4477. The company will provide us
with a copy of your certificate.
Remember, this is a federal requirement so take the course as soon as possible!
Post Filing Debtor Education Certificate
This is REQUIRED with very few exceptions! We recommend going to www.debtoredu.com and taking the course online.
This will cost you roughly fifteen dollars. Once you log onto the course, you will be asked to provide our name as well as our
fax number. Please provide the following information: Cole Law Group fax# 866-292-4477. The company will provide us
with a copy of your certificate.
Remember, this is a post filing education course; you will need your filing case number in order to take this course.
You should take the course as soon as you file the bankruptcy as your bankruptcy may be dismissed if the certifcate is not
provided.