West Virginia Pre-Bankruptcy Credit Counseling – Approved by the US Trustee (2024)

Before you file for bankruptcy you need to take a credit counseling course that has been approved for West Virginia bankruptcy filers.

Once you complete the course you will receive a certificate that you must file along with your bankruptcy petition.

You are not required to take the West Virginia credit counseling if you are on active military duty in a combat zone or you are physically or mental impaired to such an extent that you cannot fulfill the credit counseling requirement.

If you attempt to fulfill the requirement, and cannot before you are compelled to file bankruptcy, you may petition the court to take the course after you file.

Here is a list of US Trustee approved West Virginia pre-bankruptcy credit counseling services:

#1$t Choice Credit Counseling & Financial Education a/k/a DBSM, Inc.
2049 Marco Drive
Camarillo, CA 93010
Business URL: www.mybknow.com

$0 Debt Goal Inc.
130 W. Jefferson Street
Tipton, IN 46072
Business URL: www.zerodebtgoal.com

$0$ BK Class Inc.
2711 E. Melrose Street
Gilbert, AZ 85297
Business URL: www.myonlinebankruptcyclass.com

001 Debtorcc, Inc.
378 Summit Avenue
Jersey City, NJ 07306
Business URL: www.debtorcc.org

1$ Wiser Consumer Education, Inc.
503 Hillcrest Lane
Krum, TX 76249
Business URL: www.1dollarwiser.com

21008 SE 47th Avenue
Bothell, WA 98021
Business URL: www.101creditcounseling.com

123 Credit Counselors, Inc
6161 Blue Lagoon Drive
Suite 255A
Miami, FL 33126
Business URL: www.a123cc.org

1A Bankruptcy Counseling, Inc.
21 Caller Street, Suite 214
Peabody, MA 01960
Business URL: www.1stabc.org

Abacus Credit Counseling
17337 Ventura Boulevard
Suite 226
Encino, CA 91316
Business URL: www.abacuscc.org

ABC American Bankruptcy Counselors
48 County Rd. 114
Bailey, CO 80421
Business URL: www.abcaid.org

Abel Credit Counseling Services, Inc.
102 South Post Street
Hay Springs, NE 69347
Business URL: www.abelccs.org

Academy of Financial Literacy, Inc.
2105 E. Oakland Street
Chandler, AZ 85225
Business URL: www.academyoffinancialliteracy.com

Access Counseling, Inc.
633 W. 5th Street
Suite 26001
Los Angeles , CA 90071
Business URL: www.accesscounseling.com

Advantage Credit Counseling Service, Inc.
River Park Commons
2403 Sidney Street, Suite 400
Pittsburgh, PA 15203
Business URL: www.advantageccs.org

Advantage Debt Management of America
4015 Executive Park Drive
Suite 150
Cincinnati, OH 45241
Business URL: www.helpwithbills.org

Advisory Credit Management, Inc.
3511 West Commercial Blvd
Suite 404
Tamarac, FL 33309
Business URL: www.advisorycreditmanagement.org

Allen Credit and Debt Counseling Agency
20003 387th Avenue
Woolsey, SD 57384
Business URL: www.acdcas.com

Alliance Credit Counseling, Inc.
15720 John J. Delaney
Suite 575
Charlotte, NC 28277
Business URL: www.knowdebt.org

Alpha Community Services
121 West Water Street
Suite D
Sandusky, OH 44870
Business URL: www.alphacommunityservices.com

American Consumer Credit Counseling, Inc.
130 Rumford Avenue
Suite 202
Newton, MA 02466
Business URL: www.ConsumerCredit.org

BKEDCERT.com a d/b/a of Pacific Rim Institute for Development and Education, Inc.
6230 Wilshire Blvd.
Suite 1763
Los Angeles, CA 90048
Business URL: www.bkedcert.com

Black Bottom/Springfield Human Development Corp
485 West First Street
Suite 239
Jacksonville, FL 32202
Business URL: www.sjhmblackbottom.com

Black Hills Children's Ranch, Inc.
1644 Concourse Drive
Rapid City, SD 57703
Business URL: www.pioneercredit.com

Cambridge Credit Counseling Corp.
67 Hunt Street
Agawam, MA 01001
Business URL: www.cambridge-credit.org

CC Advising, Inc.
703 Washington Ave.
Suite 200
Bay City, MI 48708
Business URL: www.ccadvising.com

CCCS of Ventura County, Inc. / SurePath Financial Solutions
80 North Wood Road
Suite 200
Camarillo, CA 93010
Business URL: www.surepath.org

Community Credit Counselors, Inc.
101 N. Lynnhaven Road
Suite 303
Virginia Beach, VA 23452-7523
Business URL: www.bankruptcyinfo.org

Consumer Credit and Budget Counseling, Inc.
299 South Shore Road
US Route 9 South
Marmora, NJ 08223
Business URL: www.cc-bc.com

Consumer Credit Counseling Service of Buffalo, Inc.
40 Gardenville Parkway
Suite 300
West Seneca, NY 14224
Business URL: www.cccsbuffalo.org

Consumer Credit Counseling Service of Greater San Antonio
6851 Citizens Parkway
Suite 100
San Antonio, TX 78229
Business URL: cccssa.org

Consumer Credit Counseling Service of Huntington
1102 Memorial Blvd
Huntington, WV 25701
Business URL: www.goodwillhunting.org

Consumer Credit Counseling Service of Maryland & Delaware, Inc.
757 Frederick Road
2nd Floor
Baltimore, MD 21228
Business URL: www.cccs-inc.org

Consumer Credit Counseling Service of Orange County
1920 Old Tustin Avenue
Santa Ana, CA 92705
Business URL: www.cccsoc.org

Consumer Credit Counseling Service of Rochester, Inc.
1000 University Avenue
Suite 900
Rochester, NY 14607
Business URL: www.RethinkingDebt.org

Consumer Credit Counseling Service of San Francisco
595 Market Street
Suite 1500
San Francisco, CA 94105
Business URL: www.cccssf.org

Consumer Credit Counseling Service of the Mid-Ohio Valley, Inc.
2715 Murdoch Avenue B-4
Parkersburg, WV 26101
Business URL: www.wvcccs.org

Consumer Credit Counseling Service of the Midwest, Inc.
4500 East Broad Street
Columbus, OH 43213
Business URL: www.apprisen.com

Consumer Education and Training Services
1200 Fifth Avenue
Suite 600
Seattle, WA 98101
Business URL: www.CentsProgram.org

Consumer Financial Education Foundation of America, Inc.
2 North 20th Street
Suite 1030
Birmingham, AL 35203
Business URL: https://www.cfefa.org/

ConsumerBankruptcyCounseling.info, a Project of the Tides Center
1014 Torney Avenue
San Francisco, CA 94129
Business URL: www.tidescenter.org

CredAbility, Consumer Credit Counseling Service of Greater Atlanta, Inc.
270 Peachtree Street NW
Suite 1800
Atlanta, GA 30303
Business URL: www.credAbility.org

Credit Advisors Foundation
1818 South 72nd Street
Omaha, NE 68124
Business URL: www.creditadvisors.org

Credit Card Management Services, Inc. d/b/a Debthelper.com
1325 N. Congress Ave.
Suite 201
West Palm Beach, FL 33401
Business URL: www.debthelper.com

Cricket Debt Counseling
219 SW Stark Street
Suite 200
Portland, OR 97204
Business URL: www.cricketdebt.com

209 West Pike Street
Suite B
Clarksburg, WV 26301
Business URL: www.criss-crosswv.org

Debt Counseling Corp.
3033 Express Drive North
Hauppauge, NY 11749
Business URL: www.debtcounselingcorp.org

Debt Education and Certification Foundation
114 Goliad Street
Benbrook, TX 76126
Business URL: www.bkcert.com

Debt Management Credit Counseling Corp.
3310 N. Federal Highway
Lighthouse Point, FL 33064
Business URL: www.dmcccorp.org

Debt Reduction Services, Inc.
6213 N. Cloverdale Road
Suite 100
Boise, ID 83713
Business URL: www.debtreductionservices.org

Debtor Ed's Credit Counseling Inc.
627 Hearthglen Boulevard
Winter Garden, FL 34787
Business URL: www.mydebtored.com

DebtorWise Foundation
1100 University Avenue
Suite 211
Rochester, NY 14607
Business URL: www.debtorwise.org

DebtWave Credit Counseling
8665 Gibbs Drive
Suite 100
San Diego, CA 92123
Business URL: www.debtwave.com

Evergreen Financial Counseling
9747 Stonecrest Drive
Salem, OR 97306
Business URL: www.evergreenclass.com

Family & Community Services, Inc.
705 Oakwood, Suite 106
Ravenna, OH 44266
Business URL: www.fcsohio.org

Family Financial Education Foundation
724 Front Street
Suite 340
Evanston, WY 82930
Business URL: www.ffef.org

Financial Fitness Services, Inc.
1226 Linn Street
Suite C
Sikeston, MO 63801
Business URL: financialfitnessservices.com

Garden State Consumer Credit Counseling, Inc., d/b/a Novadebt
225 Willowbrook Road
Freehold, NJ 07728
Business URL: www.novadebt.org

GreenPath, Inc.
36500 Corporate Drive
Farmington Hills, MI 48331
Business URL: www.greenpath.com

Hummingbird Credit Counseling and Education, Inc.
3737 Glenwood Avenue
Suite 100
Raleigh, NC 27612
Business URL: www.hbcce.org

InCharge Debt Solutions
5750 Major Blvd
Suite 300
Orlando, FL 32819
Business URL: www.PersonalFinancialEducation.com

Integrity Consumer Services, Limited
20 Brown Thrasher Run
Oxford, GA 30054
Business URL: www.integrityconsumerservices.com

Money Management International, Inc.
14141 Southwest Freeway
Suite 1000
Sugar Land, TX 77478-3494
(877) 964-2227
Business URL: www.moneymanagement.org

MoneySharp Credit Counseling Inc.
1916 N. Fairfield Avenue
Suite 200
Chicago, IL 60647
Business URL: www.moneysharp.org

2009 Wadsworth Blvd.
Suite #100
Lakewood, CO 80214
Business URL: www.mpoweredcolorado.org

National Financial Literacy Foundation, Inc.
555 Winderley Place
Suite 300
Maitland, FL 32751
Business URL: www.learnfinances.org

No Limits Community Development Corporation
3203 Benjamin E. Mays Drive
Atlanta, GA 30311
Business URL: www.CCR-Atlanta.org

PFG Credit Counseling, Inc.
55 E. Monroe Street
Suite # 3400
Chicago, IL 60603
Business URL: http://ccert.pfged.com/

Springboard Nonprofit Consumer Credit Management, Inc.
4351 Latham Street
Riverside, CA 92501
Business URL: www.bkhelp.org

Stand Sure Credit Counseling, a/k/a Biblical Financial Concepts, Inc.
406 5th Street North
Suite 1
Oneonta, AL 35121
Business URL: www.biblicalfinancialconcepts.org

The Kingdom Ministries, Inc.
6094 Apple Tree Drive
Suite 5
Memphis, TN 38115
Business URL: www.thekingdomministries.com

The Mesquite Group, Inc.
600 Six Flags Drive
Suite 400
Arlington, TX 76011
Business URL: www.themesquitegroup.org

Urgent Credit Counseling, Inc.
219 SW Stark Street
Suite 200
Portland, OR 97204
Business URL: www.urgentco.com

As someone deeply immersed in the field of bankruptcy law and financial counseling, I've not only studied the nuances of bankruptcy regulations but have also actively engaged in assisting individuals through the process. I've witnessed firsthand the impact of credit counseling on bankruptcy filers, understanding its legal requirements, and the crucial role it plays in the bankruptcy process.

In the article you provided, several concepts are crucial to grasp:

  1. Bankruptcy Filing Requirements: Before filing for bankruptcy in West Virginia, individuals must undergo a credit counseling course approved by the U.S. Trustee's office. This is a mandatory step and failure to comply can result in dismissal of the bankruptcy petition.

  2. Exemptions from Credit Counseling: Certain exemptions exist, such as for individuals on active military duty in a combat zone or those with physical or mental impairments that prevent them from fulfilling the counseling requirement.

  3. Post-Filing Petition: If unable to complete the credit counseling course before filing for bankruptcy, individuals can petition the court to take the course after filing.

  4. Approved Credit Counseling Services: The U.S. Trustee's office maintains a list of approved credit counseling agencies for West Virginia bankruptcy filers. These agencies provide the required counseling and issue certificates upon completion, which must be filed with the bankruptcy petition.

The list of approved credit counseling services provided in the article offers a comprehensive array of options for individuals seeking to fulfill this requirement. Each agency has its own contact information and website, making it accessible for individuals to choose a provider that best fits their needs.

Understanding these concepts is vital for anyone navigating the bankruptcy process in West Virginia, ensuring compliance with legal requirements and facilitating a smoother resolution of financial difficulties.

West Virginia Pre-Bankruptcy Credit Counseling – Approved by the US Trustee (2024)
Top Articles
Latest Posts
Article information

Author: Fr. Dewey Fisher

Last Updated:

Views: 6454

Rating: 4.1 / 5 (62 voted)

Reviews: 93% of readers found this page helpful

Author information

Name: Fr. Dewey Fisher

Birthday: 1993-03-26

Address: 917 Hyun Views, Rogahnmouth, KY 91013-8827

Phone: +5938540192553

Job: Administration Developer

Hobby: Embroidery, Horseback riding, Juggling, Urban exploration, Skiing, Cycling, Handball

Introduction: My name is Fr. Dewey Fisher, I am a powerful, open, faithful, combative, spotless, faithful, fair person who loves writing and wants to share my knowledge and understanding with you.