Credit Counseling Courses and Financial Management Courses : Massachusetts (MA) USA

Financial Management Instructional Courses /Debtor Education Agencies Name,  Website , Courses Offered & Languages Supported  Debtor Education Agencies   address
1st Choice Credit Counseling & Financial Education a/k/a DBSM, Inc.         Website – www.mybknow.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 2049 Marco Drive
Camarillo, CA  93010 
877-692-5669
1st Choice Credit Counseling & Financial Education a/k/a DBSM, Inc.         Website – www.mybknow.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 2049 Marco Drive
Camarillo, CA  93010 
877-692-5669
A 123  Credit Counselors, Inc         Website – www.a123cc.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 703 Waterford Way (NW 62nd Ave.)
Suite 220
Miami, FL  33126 
305-269-9201
A 123  Credit Counselors, Inc         Website – www.a123cc.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 703 Waterford Way (NW 62nd Ave.)
Suite 220
Miami, FL  33126 
305-269-9201
A 123  Credit Counselors, Inc         Website – www.a123cc.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 703 Waterford Way (NW 62nd Ave.)
Suite 220
Miami, FL  33126 
305-269-9201
Abacus Credit Counseling         Website – www.abacuscc.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 15760 Ventura Boulevard
Suite 700
Encino, CA  91436 
800-516-3834
Abacus Credit Counseling         Website – www.abacuscc.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 15760 Ventura Boulevard
Suite 700
Encino, CA  91436 
800-516-3834
Advisory Credit Management, Inc.         Website – www.advisorycreditmanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 5769 West Sunrise Blvd.
Plantation, FL  33313 
800-786-3940
Advisory Credit Management, Inc.         Website – www.advisorycreditmanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 5769 West Sunrise Blvd.
Plantation, FL  33313 
800-786-3940
Allen Credit and Debt Counseling Agency         Website – www.acdcas.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 195 Brook Street 
Wessington, SD  57381 
888-415-8173
Allen Credit and Debt Counseling Agency         Website – www.acdcas.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 195 Brook Street 
Wessington, SD  57381 
888-415-8173
Alliance Credit Counseling, Inc.         Website – www.knowdebt.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 13777 Ballantyne Corporate Pl.
Suite 100
Charlotte, NC  28277 
888-594-9596
Alliance Credit Counseling, Inc.         Website – www.knowdebt.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 13777 Ballantyne Corporate Pl.
Suite 100
Charlotte, NC  28277 
888-594-9596
American Consumer Credit Counseling, Inc.         Website – www.ConsumerCredit.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 130 Rumford Avenue
Suite 202
Newton, MA  02466 
866-826-6924
American Consumer Credit Counseling, Inc.         Website – www.ConsumerCredit.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 130 Rumford Avenue
Suite 202
Newton, MA  02466 
866-826-6924
American Consumer Credit Counseling, Inc.         Website – www.ConsumerCredit.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 130 Rumford Avenue
Suite 202
Newton, MA  02466 
866-826-6924
Biblical Financial Concepts, Inc.         Website – www.biblicalfinancialconcepts.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 124 Oak Ridge Drive
Oneonta, AL  35121 
205-421-1590
Biblical Financial Concepts, Inc.         Website – www.biblicalfinancialconcepts.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 124 Oak Ridge Drive
Oneonta, AL  35121 
205-421-1590
Biblical Financial Concepts, Inc.         Website – www.biblicalfinancialconcepts.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 124 Oak Ridge Drive
Oneonta, AL  35121 
205-421-1590
BKEDCERT.com a d/b/a of Pacific Rim Institute for Development  and Education, Inc.   dba BKEdCert.com      Website – www.bkedcert.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 6230 Wilshire Blvd.
Suite 1763
Los Angeles, CA  90048 
800-845-7171
Black Hills Children’s Ranch, Inc.         Website – www.pioneercredit.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1644 Concourse Drive
Rapid City, SD  57703 
605-348-1608
Black Hills Children’s Ranch, Inc.         Website – www.pioneercredit.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1644 Concourse Drive
Rapid City, SD  57703 
605-348-1608
Black Hills Children’s Ranch, Inc.         Website – www.pioneercredit.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1644 Concourse Drive
Rapid City, SD  57703 
605-348-1608
CCCS of Ventura County, Inc. / SurePath Financial Solutions         Website – www.surepath.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 80 North Wood Road
Suite 200
Camarillo, CA  93010 
877-615-7873
CCCS of Ventura County, Inc. / SurePath Financial Solutions         Website – www.surepath.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Mandarin 80 North Wood Road
Suite 200
Camarillo, CA  93010 
877-615-7873
CCCS of Ventura County, Inc. / SurePath Financial Solutions         Website – www.surepath.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Yue/Cantonese 80 North Wood Road
Suite 200
Camarillo, CA  93010 
877-615-7873
CCCS of Ventura County, Inc. / SurePath Financial Solutions         Website – www.surepath.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 80 North Wood Road
Suite 200
Camarillo, CA  93010 
877-615-7873
Colorado Credit Counselors         Website – www.cocredit.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 8650 Fairall Road
Morrison, CO  80465 
303-551-5599
Community Credit Counselors, Inc.         Website – www.bankruptcyinfo.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 101 N. Lynnhaven Road
Suite 303
Virginia Beach, VA  23452-7523 
800-531-5124
Community Credit Counselors, Inc.         Website – www.bankruptcyinfo.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 101 N. Lynnhaven Road
Suite 303
Virginia Beach, VA  23452-7523 
800-531-5124
ConsumerBankruptcyCounseling.info, a Project of the Tides Center   Consumer Bankruptcy Counseling Project, a Project of the Tides Center      Website – www.tidescenter.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A  
Consumer Credit Counseling Service of Greater San Antonio   CCCSSA      Website – www.cccssa.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 6851 Citizens Parkway
Suite 100
San Antonio, TX  78229 
210-979-4300
Consumer Credit Counseling Service of Greater San Antonio         Website – www.cccssa.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 6851 Citizens Parkway
Suite 100
San Antonio, TX  78229 
210-979-4300
Consumer Credit Counseling Service of Greater San Antonio   CCCSSA      Website – www.cccssa.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 6851 Citizens Parkway
Suite 100
San Antonio, TX  78229 
210-979-4300
Consumer Credit Counseling Service of Maryland & Delaware, Inc.         Website – www.cccs-inc.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 757 Frederick Road
2nd Floor
Baltimore, MD  21228 
800-642-2227
Consumer Credit Counseling Service of Maryland & Delaware, Inc.         Website – www.cccs-inc.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 757 Frederick Road
2nd Floor
Baltimore, MD  21228 
800-642-2227
Consumer Credit Counseling Service of San Francisco         Website – www.cccssf.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 595 Market Street
Suite 1500
San Francisco, CA  94105 
800-777-7526
Consumer Credit Counseling Service of San Francisco         Website – www.cccssf.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 595 Market Street
Suite 1500
San Francisco, CA  94105 
800-777-7526
Consumer Credit Counseling Service of San Francisco         Website – www.cccssf.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 595 Market Street
Suite 1500
San Francisco, CA  94105 
800-777-7526
Consumer Credit Counseling Service of West Florida, Inc.   Allvista Solutions      Website – www.cccswfl.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 14 Palafox Place
Pensacola, FL  32502 
800-434-0268
Consumer Credit Counseling Service of West Florida, Inc.         Website – www.cccswfl.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 14 Palafox Place
Pensacola, FL  32502 
800-434-0268
Consumer Financial Education Foundation of America, Inc.   CFEFA      Website – www.cfefa.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 2 North 20th Street 
Suite 1030
Birmingham, AL  35203 
205-321-2822
Consumer Financial Education Foundation of America, Inc.   CFEFA      Website – www.cfefa.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 2 North 20th Street 
Suite 1030
Birmingham, AL  35203 
205-321-2822
CredAbility, Consumer Credit Counseling Service of Greater Atlanta, Inc.         Website – www.credAbility.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 270  Peachtree Street NW
Suite 1800
Atlanta, GA  30303 
866-672-2227
CredAbility, Consumer Credit Counseling Service of Greater Atlanta, Inc.         Website – www.credAbility.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 270  Peachtree Street NW
Suite 1800
Atlanta, GA  30303 
866-672-2227
Credit Advisors Foundation         Website – www.creditadvisors.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1818 South 72nd Street
Omaha, NE  68124 
402-393-3100
Credit Advisors Foundation         Website – www.creditadvisors.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Korean 1818 South 72nd Street
Omaha, NE  68124 
402-393-3100
Credit Advisors Foundation         Website – www.creditadvisors.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1818 South 72nd Street
Omaha, NE  68124 
402-393-3100
Credit Advisors Foundation         Website – www.creditadvisors.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Thai 1818 South 72nd Street
Omaha, NE  68124 
402-393-3100
Credit Advisors Foundation         Website – www.creditadvisors.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1818 South 72nd Street
Omaha, NE  68124 
402-393-3100
Credit Card Management Services, Inc.         Website – www.mybkcounseling.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 4611 Okeechobee Blvd.
Suite 114
West Palm Beach, FL  33417 
800-920-2262
Credit Card Management Services, Inc.         Website – www.mybkcounseling.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 4611 Okeechobee Blvd.
Suite 114
West Palm Beach, FL  33417 
800-920-2262
Credit Card Management Services, Inc.         Website – www.mybkcounseling.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 4611 Okeechobee Blvd.
Suite 114
West Palm Beach, FL  33417 
800-920-2262
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Korean 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Russian 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Tagalog 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Vietnamese 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Debt Education and Certification Foundation         Website – www.debt-foundation.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 112 Goliad Street
Suite D
Benbrook, TX  76126 
866-859-7323
Debt Education and Certification Foundation         Website – www.debt-foundation.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 112 Goliad Street
Suite D
Benbrook, TX  76126 
866-859-7323
Debt Education and Certification Foundation         Website – www.debt-foundation.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 112 Goliad Street
Suite D
Benbrook, TX  76126 
866-859-7323
Family Financial Education Foundation         Website – www.ffef.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 724 Front Street
Suite 340
Evanston, WY  82930 
307-789-2010
Forbes & Newhard Credit Solutions, Inc.         Website – forbescs.us :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 7505 Tiffany Springs Parkway
Suite 130
Kansas City, MO  64153 
816-442-7036
Garden State Consumer Credit Counseling, Inc., d/b/a Novadebt         Website – www.novadebt.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 225 Willowbrook Road
Freehold, NJ  07728 
732-409-6281
Garden State Consumer Credit Counseling, Inc., d/b/a Novadebt         Website – www.novadebt.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 225 Willowbrook Road
Freehold, NJ  07728 
732-409-6281
GreenPath, Inc.         Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Arabic 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Armenian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Bosnian/Croatian/Serbian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Hakka 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Mandarin 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Min Nan/Taiwanese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Wu 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Xiang 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Yue/Cantonese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Dutch 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Farsi (Persian) 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :French 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :German 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Greek 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Gujarathi 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Haitian Creole 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Hebrew 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Hindi 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Hmong 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Hungarian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Italian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Japanese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Korean 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Laotian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Marshallese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Mon-Khmer, Cambodian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Navajo 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Other, Africa 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Other, Americas 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Other, Asia 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Other, Europe 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Other, Pacific 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Polish 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Portuguese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Russian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Sinhala 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Swedish 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Tagalog 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Thai 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Urdu 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Vietnamese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Yiddish 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.         Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
Hananwill Credit Counseling         Website – www.hananwill.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 115 North Cross Street
Robinson, IL  62454 
877-544-5560
Hummingbird Credit Counseling and Education, Inc.         Website – www.hbcce.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 3737 Glenwood Avenue
Suite 100
Raleigh, NC  27612 
800-645-4959
Hummingbird Credit Counseling and Education, Inc.         Website – www.hbcce.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 3737 Glenwood Avenue
Suite 100
Raleigh, NC  27612 
800-645-4959
InCharge Education Foundation, Inc.         Website – www.inchargefoundation.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 5750 Major Blvd
Suite 310
Orlando, FL  32819 
866-729-0049
InCharge Education Foundation, Inc.         Website – www.inchargefoundation.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 5750 Major Blvd
Suite 310
Orlando, FL  32819 
866-729-0049
Institute for Financial Literacy, Inc.   dba – IFL      Website – www.financiallit.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 449 Forest Avenue
Portland, ME  04101 
207-879-0389
Institute for Financial Literacy, Inc.         Website – www.financiallit.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 449 Forest Avenue
Portland, ME  04101 
207-879-0389
iPayDebt Financial Services, Inc. d/b/a Cornerstone Financial Education         Website – www.ipaydebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 3011 North Lamar Boulevard
Austin, TX  78705 
512-263-0532
iPayDebt Financial Services, Inc. d/b/a Cornerstone Financial Education         Website – www.ipaydebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 3011 North Lamar Boulevard
Austin, TX  78705 
512-263-0532
Money Management International, Inc.         Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Money Management International, Inc.         Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Money Management International, Inc.   Consumer Credit Counseling Service of Southern New England      Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Money Management International, Inc.   Consumer Credit Counseling Service of Southern New England      Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Money Management International, Inc.   Consumer Credit Counseling Service of Southern New England      Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Money Management International, Inc.   Consumer Credit Counseling Service of Southern New England      Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Money Management International, Inc.   Consumer Credit Counseling Service of Southern New England      Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Money Management International, Inc.   Consumer Credit Counseling Service of Southern New England      Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Money Management International, Inc.   Consumer Credit Counseling Service of Southern New England      Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Money Management International, Inc.   Consumer Credit Counseling Service of Southern New England      Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Money Management International, Inc.   MMI      Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Money Management International, Inc.         Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Money Management International, Inc.         Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Springboard Nonprofit Consumer Credit Management, Inc.         Website – www.bkhelp.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 4351 Latham Street
Riverside, CA  92501 
951-781-0114
Springboard Nonprofit Consumer Credit Management, Inc.         Website – www.bkhelp.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 4351 Latham Street
Riverside, CA  92501 
951-781-0114
The Mesquite Group, Inc.         Website – www.themesquitegroup.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 600 Six Flags Drive
Suite 400
Arlington, TX  76011 
817-769-4069
   

Need a Lawyer? Judge for Yourself

Need a Lawyer? Judge for Yourself

Going through a divorce? Launching a business? Hurt in a car accident? Writing a will? Facing a lawsuit? In any of these situations, you may consider hiring a lawyer to advise you or represent your interests. The Federal Trade Commission (FTC) offers the following advice to help you be smart when you choose — and use — legal representation.

Know Who You’re Dealing With

Many lawyers specialize in a particular area of the law. Be sure your attorney has relevant experience. An attorney who regularly drafts wills may not be the best choice to represent you in a courtroom if the subject is an auto accident. If family, friends or co-workers have hired a lawyer for a similar reason, ask them for recommendations. If not, check with your state and local bar associations. Some groups offer lawyer referral services for their members.

Do Your Research

Try to talk with more than one lawyer before you choose the one to represent you. But find out if you will be charged for an initial meeting. Be prepared to describe your problem in a brief, clear summary. Ask the various lawyers about their experience, their fees, what your options might be, your chances of success, who will do the work, and when the problem might be resolved.

Know The Real Deal

Once you decide to hire a lawyer, be sure you understand what you’ve both agreed to. How often will the lawyer update you? What information will you be required to provide? Do you understand all your options? What will the total cost be? If you’re not clear on exactly what the lawyer is doing, ask for clarification. Although your chances of success can’t be guaranteed, discuss approaches to your case. You should be comfortable with your lawyer’s approach to your case. Be up front with your lawyer on all the facts and circumstances surrounding your situation. You may want to get the agreement with your lawyer in writing.

Fees and Costs

Before any work begins, ask what the cost will be for the lawyer’s services and whether you will be responsible for other fees and charges. State ethics rules require lawyers to charge a reasonable fee. The American Bar Association advises that lawyers explain their fees, preferably in writing, within a reasonable time after beginning to represent you. And some state bars require that lawyers put their fees in writing before they take a case. Your lawyer may charge you extra for copying documents, courier services, court filing fees, or research services. Be sure you understand what you will be charged for and how much.

Payment Arrangements

Remember the most expensive lawyer is not necessarily the best one for you. Nor is a “bargain” rate always a great deal. Look for the best balance of experience and cost. You may want to ask your lawyer if a junior lawyer or paralegal can perform some of the work to lower your costs. You also may want to ask if there are tasks you could perform yourself to save time and money. For example, you might be able to copy, pick up or deliver certain documents. A lawyer may charge you a flat fee for a particular service or offer alternative methods of payment. Each has benefits and risks.

Contingency fees. A contingent fee arrangement means that your lawyer gets a percentage of whatever money you receive as resolution of your case. If you receive no money, then your lawyer collects no fees. However, you may owe charges for court fees, copying, and hiring expert witnesses. If you have very little money to pay hourly fees, it may be appropriate to negotiate a contingency fee with your lawyer. But before agreeing to a contingent fee, consider that:

  • The size of a contingency fee, usually a percentage of any money you receive to resolve the case, is always negotiable. Sometimes you can negotiate a sliding scale fee (for example, 30 percent of any recovery up to $10,000; 20 percent of any recovery up to $50,000, etc.). Remember that there’s no particular percentage of a consumer’s recovery that constitutes a “standard” or “official” fee.
  • The size of the contingency fee should reflect the amount of work that will be required by the attorney. Some cases are straightforward; others can be novel or uncertain. You may want to ask whether the case is likely to settle quickly and whether government agencies will gather significant amounts of evidence. A fee arrangement sometimes can be negotiated with a lower percentage for a quick settlement and a higher percentage if it goes to trial. Be sure you know exactly what is covered in your agreement. Your state also may have rules about maximum contingency fees; check with your state’s bar association.

Flat fee. You pay the lawyer a set dollar amount for a particular service, like writing a will. If the matter is simple and straightforward, say, an uncontested divorce or a simple bankruptcy filing, many lawyers often charge a flat fee. Be sure to find out exactly what the flat fee includes.

Hourly rates. The lawyer charges a set fee per hour. Your final cost will depend on how long it takes to complete your work. Hourly rates vary according to a lawyer’s expertise and experience. An experienced lawyer may charge a higher hourly rate but may complete the work more quickly. Because the hours worked on your case can add up quickly, you should ask for a written estimate of the number of hours necessary to complete your case to get an idea of what your final bill might amount to.

Retainer. Your lawyer may ask you to pay a fee up front. A lawyer can use this fee — often called a retainer — as a down payment on expenses and fees. It is important to review your account from time to time to understand how your money is being spent.

Public Legal Services. Depending on your financial situation, you may qualify for free or low cost legal services through special organizations. For example, you may be eligible for free representation in landlord-tenant or divorce cases. Look in your local telephone directory for legal services organizations or legal clinics associated with accredited law schools.

Pre-paid legal plans. Some organizations offer pre-paid legal plans that work like an insurance policy. In exchange for a monthly fee, you receive certain legal services as you need them. However, the fees charged and the services covered vary with each state’s law and the particular plan. Check out any plan carefully to be sure you know what’s covered and whether it makes sense for your situation.

Keep Good Records

Chances are your lawyer will ask you for documents that relate to your case. Keep copies if you give your lawyer the originals. Ask for copies of all other important documents. When you get a bill from your lawyer, review it carefully and ask about any charges that are unclear to you.

Class Actions

In a class action, a court decides that a group of people — a class — may have been harmed in a similar way. You may receive notices asking whether you want to be part of the lawsuit. Read the notice carefully. If you take no action, you typically become a member of the class by default. If that’s the case, you are bound by the outcome of the class action lawsuit; you can’t bring your own case; and you won’t have direct control of the lawsuit. But you could raise some objections about any settlement or the amount of the attorney’s fees. Should you choose not to become a member of the class, you preserve the right to bring your own case and control it directly. But you’ll have to hire — and pay for — your own lawyer and you won’t share in any benefits that may be won in the class action.

Service

If you’re not happy with the work your lawyer has performed on your behalf, you may fire him or her at any time. In some kinds of cases, you may need the permission of a judge to do this. Weigh the costs and benefits of starting over with a new lawyer. Your case may be delayed and could cost you more. Lawyers are subject to state ethics rules and are required to charge reasonable fees; if you think your lawyer didn’t treat you fairly, represent you adequately, or charged you too much, communicate with him and try to work out some resolution. If trying to resolve the matter directly with your lawyer is unsuccessful, consider filing a complaint with your state or local bar association. In some states, arbitration is available to mediate such disputes. Remember that if you are satisfied with the work your lawyer has done for you, communicate that message, too.

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