Product Description:

CIN Legal Data Services has partnered with leading US Trustee Approved Credit Counseling and Debtor Education providers to offer customers 24/7 access to the required counseling courses. Customers can place counseling orders via CIN Legal Data Service's website, and will receive all status information and completed certificates in real time once the respective courses have been completed.

Clients for whom courses are ordered can access the respective course instructions, as well as links to the approved providers, via the CIN Legal Data Services website. When accessing approved provider material, clients will also be able to access other due diligence services ordered on their behalf.

Counseling & Debtor Education Service Descriptions

• Credit Counseling - New legislation has been passed that requires any consumer wishing to eliminate debts under Chapter 7 or 13 bankruptcy to complete a credit counseling or "Bankruptcy Certification" course from a United States Trustee approved nonprofit credit counseling agency. The bankruptcy certificate the consumer will receive at the conclusion of the credit counseling session is required in order to file a personal bankruptcy.
• Debtor Education - Every consumer who files a personal bankruptcy after October 17, 2005 must also complete a U.S. Trustee-approved debt education course or a "Pre-Discharge Education" course prior the completion of the bankruptcy. The pre-discharge certificate the consumer will receive at the conclusion of this counseling session is required in order to receive a personal bankruptcy discharge.

Providers of Credit Counseling and Debtor Education:

• StartFreshToday - Credit Counseling
• StartFreshToday Instructional - Debtor Education
• Debt Education and Certification Foundation (DECAF) - Credit Counseling
• Debt Education and Certification Foundation (DECAF) - Debtor Education