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AFCPE Extension Pre-conference Bankruptcy Panel. Dr. Bobbie Shaffett, Misissippi Dr. Celia Hayhoe, Virginia Dr. Sharon Seiling, Ohio Dr. Nancy Granovsky, Texas. Overview of Bankruptcy Issues Situation / history, current & projected States’ involvement / survey responses Cost / curriculum

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afcpe extension pre conference bankruptcy panel

AFCPE Extension Pre-conferenceBankruptcyPanel

Dr. Bobbie Shaffett, Misissippi

Dr. Celia Hayhoe, Virginia

Dr. Sharon Seiling, Ohio

Dr. Nancy Granovsky, Texas

slide2
Overview of Bankruptcy Issues
  • Situation / history, current & projected
  • States’ involvement / survey responses
  • Cost / curriculum
  • Benefits, challenges and successes
  • Status of Extension Internet project
slide3
Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA)

Affects filings AFTER October 17, 2005

BAPCPA requires:

  • Credit Counseling within 6 months BEFORE filing for bankruptcy
  • Debtor Education AFTER filing / before debts are discharged.
slide4
BAPCPA (continued)
  • In-person, online or via telephone methods
  • Approved providers issue certificates

http://www.usdoj.gov/ust/eo/bapcpa/ccde/docs/FTC_Consumer_AlertCC.pdf

“Before You file for Personal Bankruptcy: Information about Credit Counseling and Debtor Education”

slide5
Procedure for Approved Providers:
  • Application on web

http://www.usdoj.gov/ust/eo/bapcpa/ccde/index.htm

http://www.usdoj.gov/ust/eo/bapcpa/ccde/debtor_education.htm

  • Supplemental instructions for universities
  • Attachcourse lesson plan and instructional materials for curriculum approval
  • Attach fee schedule
slide6
Debtor Course Requirements

Budget Development

Money Management

Credit Use

Consumer Information

2 hour minimum

ID and case #

Sign-in and out

Evaluation

slide7
Approved Provider Requirements:
  • Qualifications of teachers
  • Schedule of sessions
  • Disclosures
  • Certificates for specific date
  • Re-approval each year
  • Number of reduced fees or scholarships
slide8

Extension Roles:

  • Debtor education
  • Cost recovery / revenue
  • Competition
    • Mega providers
    • Centralized phone / Internet systems
  • Niche – face to face – attorney relationships
slide9

Issues:

  • Filings decline/rise
  • Older consumers
  • Counseling impact
  • Fee waivers
  • Inactive Agencies
slide10

http://www.usdoj.gov/ust/eo/public_affairs/statistics/stats_state.htmhttp://www.usdoj.gov/ust/eo/public_affairs/statistics/stats_state.htm

http://www.usdoj.gov/ust/eo/public_affairs/statistics/docs/state/filings/chap7_filings_by_state.pdf

http://www.usdoj.gov/ust/eo/public_affairs/statistics/docs/state/filings/chap13_filings_by_state.pdf

slide11

Top States Chap 7

  • Michigan
  • Indiana
  • Nevada
  • Kentucky
  • Ohio
  • Colorado
  • Tennessee

Top States all Filings

  • Tennessee
  • Georgia
  • Alabama
  • Nevada
  • Indiana
  • Michigan

10. Mississippi

Per Capita June 2008

slide12
State procedures:
  • Curriculum
  • Marketing / Recruiting participants
  • Cost / Fee collection
  • Administration / Register / Certificates
  • Teachers
  • Audience
slide13

Please turn in

Questionnaires

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