Credit counseling is a service that helps you attain the knowledge necessary to effectively manage your finances so you can avoid making mistakes that cause one to file bankruptcy. The counseling is usually done by a certified consumer credit counselor who will do the following:

• Counsel you on managing your finances.
• Offer solutions to your current financial difficulties.
• Develop a personalized plan to help you stop future problems.

POST BANKRUPTCY STEP-BY-STEP INSTRUCTIONS

1. Call Pioneer to set up your account:

a. Confirm the Judicial District; Western District of WA that you filed your bankruptcy in with your attorney.

b. Have you attorney contact information: Name, Address, Telephone and Fax Numbers and email.

Attorney Billing Code: ________

c. Information required for the session: Bankruptcy Case Number:_____________

d. Dial 1-866-210-3590, follow options as directed. (YOU WILL RECEIVE YOUR USERNAME & PASSWORD) Our Post Bankruptcy services are also available for Spanish speaking clients upon request.

2. Options:

ONLINE COMPLETIONS

a. Enter into the top address bar or click: http://www.pioneercredit.com

b. Clicker on the ENTER icon under Bankruptcy –> Select the Post-Bankruptcy Icon–> Click the Post-Bankruptcy Login Button.

c. Login using your username and password. (If you do not have a username or password call Pioneer or click “orange” here button on center of the screen.)

d. Click the Post-Filing Certification icon.

e. Proceed thru the program, input your information listed above.

f. Program will instruct you to call us back to verify your completion.

g. Once you call back you will be able to make your payment.

h. We will confirm your 3 verification questions and 3 quiz questions you were asked during the course.

i. Upon completion we will issue your Certificate

TELEPHONE COMPLETIONS

a. Gather information listed above and call Pioneer: 1-866-210-3590.

b. Make payment: Fee is $45 per household using the same account and $35 for individual filers who received Pre Bankruptcy Counseling with us..

We accept: Debit Cards & Western Union

Cashier’s Checks or Money Orders should be mailed to:

Attn: Accounting Dept.

PO Box 6860

Rapid City, SD 57709-6860

c. You will receive your Simplified Guide to Financial Life Skills Workbook & Disclosures by mail or you can download those off our website.

d. Once the disclosure is returned and payment receive an appointment will be scheduled for your phone conference.

e. Your education will be completed over the phone in a conference class (Allow for 60-90 minutes).

d. Upon completion we will issue your Certificate.

3. Same Day Certificate Distribution:

a. You or your attorney will be able to access your Certificate of Debtor Education online.

b. Log back into your account using your username and password and click ‘DOC’ Center.

c. Print the Certificate of Debtor Education. (As a courtesy we can also fax or email your certificate to your attorney upon request.)

Pioneer Credit Counseling * PO Box 6860 Rapid City, SD 57709 * 1-866-210-3590 * www.pioneercredit.com

FAX: 605-348-8537 * Hours: Monday-Friday, 8am – 8pm (MST), Saturday, 8am – 5p.m (MST)