Post-Bankruptcy
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.
Post-Bankruptcy Step by Step Instruction
- Call Pioneer to set up your Account
- Confirm the Judicial District; Western District of WAthat you’re filing your bankruptcy in with your attorney.
- Have you attorney contact information: Name, Address, Telephone and Fax Numbers and email. Attorney Billing Code: _______
- 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).
- 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.
OPTION TWO
ONLINE COMPLETIONS
- Enter into the topaddress bar or click: http://www.pioneercredit.com
- Clicker on the ENTER icon under Bankruptcy –> Select the Pre-Bankruptcy Icon–> Click the Pre-Bankruptcy Login Button.
- 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.)
- Click the Pre-Filing Certification icon.
- Proceed thru the program, input your information listed above.
- Program will instruct you to call us back to complete your session.
- Once you call back you will be able to make your payment.
- We will review your financial summary, budget analysis & review financial options.
- Upon completion we will issue your Certificate
TELEPHONE COMPLETIONS
- Gather information listed above and call Pioneer: 1-866-210-3590.
- 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
- We will go through the Credit Counseling session over the phone. (Allow for 60-90 minutes.
- Upon complete we will issue your Certificate.
- SAME DAY CERTIFICATE DISTRIBUTION
- You or your attorney will be able to access your Certificate of Counseling & Counseling Summary Online.
- Log back into your account using your username and password and click ‘DOC’ Center.
- Print the Certificate of Counseling & Counseling Summary. (As a courtesy we can also fax or email your certificate to your attorney upon request.)