Credit counseling is a service to assist you in learning how to manage your finances to prevent you from making mistakes that lead to bankruptcy. The counseling is usually performed by a certified consumer credit counselor who will do the following:

• Advise you on managing your finances.
• Offer solutions to your current financial troubles.
• Develop a personalized plan to assit you in preventing future difficulties.

PRE BANKRUPTCY STEP-BY-STEP INSTRUCTIONS

1. Call Pioneer to set up your account:

a. Confirm the Judicial District; Western District of WA that you’re filing 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: income documentation (monthly paystub), monthly living expenses, estimated assets, all secured and unsecured debts (can use either the individual bills or your credit reports).

d. Dial 1-866-210-3590, follow options as directed. (YOU WILL RECEIVE YOUR USERNAME & PASSWORD) Our Pre 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 Pre-Bankruptcy Icon–> Click the Pre-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 Pre-Filing Certification icon.

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

f. Program will instruct you to call us back to complete your session.

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

h. We will review your financial summary, budget analysis & review financial options.

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 $35 per individual. $45 per couple in same household using same account.

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. We will go thru the Credit Counseling session over the phone. (Allow for 60-90 minutes.

d. Upon complete we will issue  your Certificate.

3. Same Day Certificate Distribution:

a. You or your attorney will be able to access your Certificate of Counseling & Counseling Summary Online.

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

c. Print the Certificate of Counseling & Counseling Summary. (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