Additional information from San Antonio, TX

In addition to the TEN materials, debtors attending the education class in San Antonio receive a handbook, entitled Chapter 13 Fads (Frequently Asked Questions) which contains local information. This booklet, along with classroom instruction on local procedures, lessens the number debtors calling with questions.
(Attachment)

One other service provided to debtors is an information packet that is mailed to each debtor upon the discharge of their case. It includes a congratulatory letter from the trustee, a copy of the debtor’s final report and account and claims register, instructions on how to get credit reports updated, advice on life after bankruptcy and a form that debtors can return to the trustee in order to obtain help with credit report corrections and establishing new credit. This mailing replaced a completion class which was offered in the past, but was very poorly attended. With the mailing, at least we know that every debtor received the information. It appears that it is well received because the return rate on the authorization and questionnaire forms that are actually are mailed back to the trustee exceeds 40%. (Attachments)

Just in case one could ever doubt how much debtors appreciate the opportunity to participate in the trustee’s class, please note the following comments from the evaluation sheets of a recent class.

About the Presentation:

The presentation was great! Very well explained...had me very interested...had my mind working on my budget plan.

Gave us a positive, hopeful, realistic expectation for our future. Thank you for not making us feel like “scum of the earth” which has been occurring for many months. 

It forced me to make a reality check...this is real & I need to make major spending changes!

This class has helped me to realize how important the procedures of Chapter 13 are in the overall completion. Also, the money management skills talked about have given me so much to work with...thank you!

I commend the Trustee and his staff for doing a great job in helping us and pointing us in the right direction for a better future.

A wealth of information brought to us with ease. The class was well structured & very informative. The anonymous question/answer procedure is a great idea. Everyone has questions & this way all get answered without embarrassment.

Wish I had known about classes like this before. I promise, if I ever get out of Chapter 13, I will never, never do this(that) again! 

Make this class mandatory before allowing anyone to have a credit card!

I liked the frankness & openness of class. Learned a lot of information on bankruptcy that was not covered with attorney.

I learned that having lots of bills keeps me from doing the important things in life.

I found the class to be very beneficial, informative & taught in a very creative manner.

This information will help to make the needed changes to get through my Ch. 13 plan & come out the other side in better shape. Thank you for setting up such a good program as this!

It gave me great information without making me feel like a “slug”

I learned that managing & knowing your limits are essential.

The instructor added humor to very serious issues & had good suggestions & views on the issue of credit versus cash spending.

Excellent organization & use of time. Speaker made no accusing comments, only encouraging comments. Very interesting...very realistic...very helpful!

The presentation really holds your interest. Excellent! Wish I had attended before I let myself go into debt. I highly recommend the class.

I like the relaxed atmosphere & that no one placed blame. Wonderful class! Should be offered in high school (if it isn’t already). Economics class was nothing like this...this is the real thing.

I feel this class is important & is going to help us learn more & put “balance & budget” into effect. The presenters made us aware of how important out priorities should be and about “careful” spending. Thanks!