We know that bankruptcy is not an easy choice. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 mandates that consumers receive financial counseling prior to the bankruptcy petition being filed and requires consumers to participate in a financial education course before debts are discharged. If you are filing bankruptcy with a spouse, both must attend the counseling and educational course. LifeSpan has been approved* by the Executive Office of the U.S. Trustee (EOUST) to conduct Pre-filing counseling and Pre-discharge education within the Northern and Southern Ohio judicial districts. LifeSpan does not receive or pay fees or other consideration for the referral of clients.
*Approval does not endorse or assure the quality of an agency’s services
Phone: 1-877-322-8228Note: If you request your credit report online, you will be asked a series of questions that only you can answer. Do not be afraid to select “None of the above” if the answer truly is, “None of the above”. If your request for an online credit report is denied, you will be directed to either call or write a request for your credit report. You may never know why. Again, do not be afraid; just follow the instructions for phoning in or writing a request for your credit report.
This is a general idea of what is included in your credit score. There are far more variables than this graph indicates but this provides a good idea of the major variables.