Does receiving an "order to close chapter 13 case without discharge" mean it is being closed or can I stop it somehow and avoid the fees involved in reopening to complete my Pre-discharge Debtor Education course. My attorney didn't tell us the details or timeline of when the 2nd course had to be completed. He finally sent us a link to the site on 5-17 and today 5-19 I received the "order to close" dated 5-15. Is it now too late to avoid the filing fees of reopening or do I have a chance to get it done and submitted before the case is actually closed? The notice from the court does not say it "IS" closed, just an "order to close" If it is too late, is there a way to try to get the $235 filing fees for my wife and I waived if My attorney will not cover them since he was so unclear with us on when the course had to be completed? Thank You for any info you can provide. I am in California if that matters..
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.