Start Fresh Today Bankruptcy Blog
In accordance with the Final Rule governing Pre-Filing Credit Counseling, many Agencies renewing applications were recently required to implement operational changes including enhancements to the counseling process. Among these changes is a comprehensive review with a counselor:Read More
Earlier this year, Federal Rule of Bankruptcy Procedure 1007(b)(7) was introduced to give Debtor Education providers the ability to file certificates directly with bankruptcy courts nationwide. However, this rule is not a requirement for providers and therefore, not all have chosen to participate. In these cases, the debtor or their attorney must file the certificate with the court directly.Read More
In a post last week, we covered 10 of our most frequently asked questions. Because just one post wouldn’t cover all of them, we’d like to cover some more! Every month thousands of consumers going through Chapter 7 and Chapter 13 bankruptcy come to Start Fresh Today to fulfill their bankruptcy certificate requirements. Our in-house customer service team is here to help you through the process and answer any questions you may have. But for your convenience, we’ve also compiled a list of 7 more of the most frequently asked:Read More
“To help consumers regain their financial stability and educate them through the bankruptcy process. We provide an innovative platform of products and services for consumers, attorneys and agencies, while exceeding the expectations of our customers, team members and stakeholders.” This is Start Fresh Today’s mission statement and it hangs in our office lobby for all to see to remind us of why we are here each day. Our committed customer service team and our attorney relationship managers are on the frontlines each day serving clients with unwavering commitment and care.
Over the years, Start Fresh Today has built a relationship with EOUST-approved Advisory Credit Management (ACM) to provide the Credit Counseling.* The Debtor Education is provided by Start Fresh Today Instructional. Our in-house customer service teams have strived to make the bankruptcy certificate process as seamless as possible, but questions still arise. Thanks to the help of our customer service teams, we’ve compiled a list of 10 of the most frequently asked questions:Read More
Tags: Bankruptcy Courses
In 2005, after the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 was enacted, Start Fresh Today was founded. Since then, the bankruptcy attorneys and technology professionals behind Start Fresh Today have been committed to offering innovative solutions beyond the Credit Counseling and Debtor Education.Read More
Tags: Due Diligence
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Celebrities are not exempt from financial troubles. Just as quickly as they rise to fame and fortune, they can find themselves millions of dollars in debt owed to creditors and the IRS. Often times people in the entertainment industry spend years struggling to make ends meets until they get their "big break." When that happens, they suddenly have more money than they ever imagined. As a result, they hire attorneys, accountants, and insurance professionals to help them manage everything that comes with their newfound fame. Unfortunately, they don’t always know what is being done on their behalf or they just don't seek any help and mismanage their money.
We're all susceptible to financial woes and celebrities are no exception - especially when they have more discretionary income. Here's a list of 5 celebrities and their stories of fame, fortune, and misfortune:
1. M.C. HammerRead More
Tags: Celebrity Bankruptcy
Last week President Obama exercised his executive authority and made more borrowers eligible for an existing program capping student loan repayments at 10% of an individual’s monthly discretionary income. In addition, after 20 years in the Pay As Your Earn Program, any remaining debt is forgiven but the balance is subject to federal tax income for the majority of borrowers. However, the law will not go into effect until the end of 2015.
Pay as You Earn Program
To qualify for Pay As You Earn, borrowers must have a partial financial hardship, meaning if the monthly amount required to be paid on eligible federal student loans under a 10-year Standard Repayment Plan is higher than the monthly amount required to be repaid under Pay As You Earn.
“’While the Pay As You Earn directive is a positive development and will particularly help graduates in public service jobs, it may not come close to helping the 5 million or so borrowers the administration believes will qualify for the program,’ said Mark Kantrowitz, senior vice president and publisher of Edvisors.com and a nationally recognized college financing expert. At best, Kantrowitz expects several hundred thousand borrowers to enroll,” as reported on Reading Eagle’s Money section.Read More
FORT LAUDERDALE, June 25, 2014 -- Start Fresh Today, a leading platform of Credit Counseling* and Debtor Education since 2005, is now also offering credit reports to credit bureau-approved bankruptcy attorneys. For bankruptcy attorneys already approved by another due diligence provider, a $420 credit will be offered as an incentive to switch by July 2, 2014. The official website launch will be tomorrow, Thursday, June 26th.Read More
Tags: credit reports