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Pre-Bankruptcy Course

Cornerstone Financial Education's pre-bankruptcy education & counseling, can help you fulfill your counseling requirement for filing bankruptcy, and is a discreet and convenient solution to fulfill your credit and budgeting requirement.

Cornerstone Financial Education is licensed by the U.S. Department of Justice to counsel consumers who are going through the initial steps of their bankruptcy filing. Their counselors will assist you in reviewing your options and their online videos and testing allows you to complete this step on your own schedule. The counseling and education is designed to be easy to understand and is convenient as possible to help you with this important decision. If you are considering bankruptcy but have not yet filed, you can still contact one of Cornerstone’s financial counselors to discuss your possible options.

Homeowners who are concerned about losing their home should know about their options under the Making Home Affordable program, which includes the Home Affordable Modification Program (or HAMP). You can speak with one of Cornerstone’s counselors about your possible eligibility for this program, or visit the websites of the Department of Justice or the Making Home Affordable program. These sites provide information about HAMP, including eligibility self-assessment tools for homeowners.

Cost: The cost of the Pre-Bankruptcy Certificate Course is waived for members of GTFCU/ACU.
The cost for non-members is only $25.00.  This includes the online video course, the pre-bankruptcy counseling and the pre-bankruptcy Certificate of Counseling as required by the U.S. Bankruptcy Court. The fee for Cornerstone’s pre-bankruptcy service may be waived under certain circumstances for certain low income clients or other, similar situations. Cornerstone clients who make less than 80% of the Median Family Income (MFI) for their area may qualify to have this fee removed. To find the MFI for your area, go to the US Census Bureau website’s database. If you have any concerns about your situation and the fees, Cornerstone counselors are available to answer your questions.

Learn more details about the Pre-Bankruptcy Education & Counseling