Resources
Financial Literacy Resources
By law you are entitled to a free credit report from each crediting report agency once a year. This includes Equifax, Experian and Transunion.
You can get this online at www.annualcreditreport.com.
If you’re a client please save this as a pdf and email to us at info@madrf.org.
To Order By Phone:
Call 877-322-8228. The reports will come in about 2 to 3 weeks.
To Order By Mail:
Print the request form and mail the completed form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Credit Counseling
If a bankruptcy filing is needed, before a case can be filed you must take the credit counseling course. This is will take a little more than one hour. There are several companies that offer this, and it costs between $15 and $50. If eligible for a waiver we will provide assistance on how to proceed at no cost.
Post-Filing Course
After a bankrupctcy case is filed you will need to take a second course, called Financial Management or sometimes called Debtor Education. This course is a little over two hours long, and costs about the same as the first course. Once again, if eligible we will help you to take this for free.
Contact our office for options on where you can take these courses. Once completed, please email the certificate to us at info@madrf.org
Documents Needed for Your Case
If we are able to provide representation we may need you to first complete a comprehensive questionnaire. After our attorney has reviewed your questionnaire we will give you a list of specific documents needed, based on your circumstances.
Click here for a General List of Documents Needed
Many items can be obtained online. Below is a list of websites for frequently needed documents:
- Free Tax Transcripts from the IRS
- DTA Connect, for evidence of SNAP and other State benefits.
- My Social Security, for evidence of social security benefits.
- Child Support Enforcement Division, for evidence of child support received or owed.
- Unemployment Online, for evidence of unemployment received.
Please call your attorney if you need help obtaining a requested document.
Moving Beyond Debt,
Including repayment with a specific plan, consolidation, settlement, and bankruptcy. Please feel free to contact us for guidance on your own options based on your circumstances.
Building A Budget
Building and consistently living within a budget will help you keep your debt relief goals and generate savings.
The Building A Budget Toolkit can help you understand your spending and make changes.
Protected Income Letter
Use this form letter if you have protected income and/or would like the creditor or collection agency to stop all communications with you. Note, the creditor may still contact you regarding legal actions.