When filing for bankruptcy, you may occasionally receive letters from various companies offering their services because of your bankruptcy filing. Some of those letters relate to the personal financial management course that you are required to complete to receive you bankruptcy. There are a few agencies that will immediately send you solicitations after you file bankruptcy to entice you in completing the personal financial management course with them. There is nothing wrong with them sending you such letters but you need to make sure that you are not paying for that course twice. Before paying any outside company to complete the personal financial management course, contact your Bond & Botes attorney to find out if you already completed the course. In the past month, we have had several clients fall for paying for their personal financial management course twice.
If you have filed with Bond & Botes, we take great pride in making sure we meet all of your bankruptcy needs including you meeting all the criteria to file bankruptcy and receive your discharge. Among those required steps are making sure you complete the credit counseling requirement to get in bankruptcy and advising you on how to complete the personal financial management course to get out of bankruptcy. You have the right to choose among a number of qualified credit counseling agencies. In most cases at Bond & Botes, we will help guide you to the cheapest and easiest companies to deal with in completing those courses.
REM Division of Notification
If you have filed chapter 7, another common solicitation that you may receive is from a company called REM Division of Notification. This letter looks official in that it has the name of your judge and trustee, your filing date and your bankruptcy case number. The letter even states that “[b]ecause the courts and attorneys are very busy in most cases you will receive information from [their] office, days and many times weeks, before you receive it from the court or your attorney.” This letter is a solicitation to pre-qualify you to purchase a vehicle with a local dealership.
You should know that any pertinent information about your case will either come from the bankruptcy court or your Bond & Botes attorney. If you have a question regarding a questionable piece of mail you received after filing bankruptcy, please give your Bond & Botes attorney a call today.
Mary Pool is a shareholder of the Bond & Botes Law Offices in Montgomery and Opelika, Alabama. She holds a Bachelor of Science from Auburn University at Montgomery, and a Juris Doctorate from Faulkner University’s Jones School of Law. She has represented thousands of clients over her more than 11 years working in the bankruptcy field. Read her full bio here.