Central District Consumer Bankruptcy Attorney's Association

Prepetition is a "briefing" certificate
Postpetition is a "counseling" certificate
Briefing of options as opposed to counseling re optimal ways to budget limited funds.
Report that briefing agents overreaching to UST's Office
Sent from my iPhone - please excuse typos.
> On Feb 6, 2016, at 2:51 PM, Mark Jessee jesseelaw@aol.com [cdcbaa] wrote:
>
> Why even put it in the budget for credit counseling? I have zero faith in the value of prepetition credit counseling courses. My clients are pretty much going through the motions and plowing through it when taking credit counseling. My experience is that credit counsellors have no idea about So Cal's cost of living. I do a far better job reviewing budget expenditure issues with my clients than credit counseling.
>
> Mark jessee
> Sent from my iPhone
>
>> On Feb 6, 2016, at 3:27 PM, R Grace Rodriguez rgracelaw@gmail.com [cdcbaa] wrote:
>>
>>
>> Guess what. . . just sat with client as they completed credit counseling. . . they got grilled on why they were spending money on eating out and having a modest vacation budget.
>>
>>
>> R. Grace Rodriguez, Esq.
>> Full service Real Estate Attorney &
>> California State Bar
>> Certified Bankruptcy Specialist
>> OFF: (818) 734-7223
>> CEL: (818) 554-9922
>>
>> NO EX-PARTE NOTICE VIA VOICE MAIL OR EMAIL: I do not accept notice for Ex Parte Applications via voicemail or by email. You must comply with California Law and give notice to a person in my office during regular business hours.
>>
>> CONFIDENTIALITY STATEMENT: This message contains privileged and confidential information and is intended only for the individual named. If you are not the intended recipient you should not disseminate, distribute, store, print, copy or deliver this message. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system.
>>
>> IRS CIRCULAR 230 DISCLOSURE: To comply with requirements imposed by the Department of the Treasury, we inform you that any U.S. tax advice contained in this communication (including any attachments) is not intended or written by the practitioner to be used, and that it cannot be used by any taxpayer, for the purpose of (i) avoiding penalties that may be imposed on the taxpayer, and (ii) supporting the promotion or marketing of any transactions or matters addressed herein.
>
>
R. Grace Rodriguez, Esq.Full service Real Estate Attorney &California State Bar Certified Bankruptcy Specialist OFF: (818) 734-7223CEL: (818) 554-9922NO EX-PARTE NOTICE VIA VOICE MAIL OR EMAIL: I do not accept notice for Ex Parte Applications via voicemail or by email. You must comply with California Law and give notice to a person in my office during regular business hours.CONFIDENTIALITY STATEMENT: This message contains privileged and confidential information and is intended only for the individual named. If you are not the intended recipient you should not disseminate, distribute, store, print, copy or deliver this message. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system.

The post was migrated from Yahoo.

Why even put it in the budget for credit counseling? I have zero faith in the value of prepetition credit counseling courses. My clients are pretty much going through the motions and plowing through it when taking credit counseling. My experience is that credit counsellors have no idea about So Cal's cost of living. I do a far better job reviewing budget expenditure issues with my clients than credit counseling.
Mark jessee
Sent from my iPhone
> On Feb 6, 2016, at 3:27 PM, R Grace Rodriguez rgracelaw@gmail.com [cdcbaa] wrote:
>
> Guess what. . . just sat with client as they completed credit counseling. . . they got grilled on why they were spending money on eating out and having a modest vacation budget.
>
>
> R. Grace Rodriguez, Esq.
> Full service Real Estate Attorney &
> California State Bar
> Certified Bankruptcy Specialist
> OFF: (818) 734-7223
> CEL: (818) 554-9922
>
> NO EX-PARTE NOTICE VIA VOICE MAIL OR EMAIL: I do not accept notice for Ex Parte Applications via voicemail or by email. You must comply with California Law and give notice to a person in my office during regular business hours.
>
> CONFIDENTIALITY STATEMENT: This message contains privileged and confidential information and is intended only for the individual named. If you are not the intended recipient you should not disseminate, distribute, store, print, copy or deliver this message. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system.
>
> IRS CIRCULAR 230 DISCLOSURE: To comply with requirements imposed by the Department of the Treasury, we inform you that any U.S. tax advice contained in this communication (including any attachments) is not intended or written by the practitioner to be used, and that it cannot be used by any taxpayer, for the purpose of (i) avoiding penalties that may be imposed on the taxpayer, and (ii) supporting the promotion or marketing of any transactions or matters addressed herein.
>
R. Grace Rodriguez, Esq.Full service Real Estate Attorney &California State Bar Certified Bankruptcy Specialist OFF: (818) 734-7223CEL: (818) 554-9922NO EX-PARTE NOTICE VIA VOICE MAIL OR EMAIL: I do not accept notice for Ex Parte Applications via voicemail or by email. You must comply with California Law and give notice to a person in my office during regular business hours.CONFIDENTIALITY STATEMENT: This message contains privileged and confidential information and is intended only for the individual named. If you are not the intended recipient you should not disseminate, distribute, store, print, copy or deliver this message. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system.
The post was migrated from Yahoo.

Guess what. . . just sat with client as they completed credit counseling. .
. they got grilled on why they were spending money on eating out and having
a modest vacation budget.
R. Grace Rodriguez, Esq.
Full service Real Estate Attorney &
California State Bar
Certified Bankruptcy Specialist
OFF: (818) 734-7223
CEL: (818) 554-9922
NO EX-PARTE NOTICE VIA VOICE MAIL OR EMAIL: I do not accept notice for *Ex
Parte* Applications via voicemail or by email. You must comply with
California Law and give notice to a person in my office during regular
business hours.
CONFIDENTIALITY STATEMENT: This message contains privileged and
confidential information and is intended only for the individual named. If
you are not the intended recipient you should not disseminate, distribute,
store, print, copy or deliver this message. Please notify the sender
immediately by e-mail if you have received this e-mail by mistake and
delete this e-mail from your system.
IRS CIRCULAR 230 DISCLOSURE: To comply with requirements imposed by the
Department of the Treasury, we inform you that any U.S. tax advice
contained in this communication (including any attachments) is not
intended or written by the practitioner to be used, and that it cannot be
used by any taxpayer, for the purpose of (i) avoiding penalties
that may be imposed on the taxpayer, and (ii) supporting the
promotion or marketing of any transactions or matters addressed herein.
Guess what. . . just sat with client as they completed credit counseling. . . they got grilled on why they were spending money on eating out and having a modest vacation budget.
The post was migrated from Yahoo.