{"id":181,"date":"2013-10-29T13:03:09","date_gmt":"2013-10-29T18:03:09","guid":{"rendered":"https:\/\/www.moneysharpnextstep.org\/?page_id=181"},"modified":"2015-08-25T12:13:49","modified_gmt":"2015-08-25T17:13:49","slug":"discharge-protection-process","status":"publish","type":"page","link":"https:\/\/www.moneysharpnextstep.org\/?page_id=181","title":{"rendered":"Discharge Protection\u00ae Process"},"content":{"rendered":"<blockquote>\n<p style=\"text-align: center;\"><strong>Protecting your Bankruptcy Discharge Order is essential to you getting a TRUE <em>\u201cFresh Start\u201d<\/em>.<\/strong><\/p>\n<div id=\"kgvid_kgvid_0_wrapper\" class=\"kgvid_wrapper kgvid_wrapper_auto_left kgvid_wrapper_auto_right\">\n\t\t\t<div id=\"video_kgvid_0_div\" class=\"fitvidsignore kgvid_videodiv\" data-id=\"kgvid_0\" 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itemtype=\"https:\/\/schema.org\/VideoObject\"><meta itemprop=\"thumbnailUrl\" content=\"https:\/\/www.moneysharpnextstep.org\/wp-content\/uploads\/2013\/12\/DP_222_thumb216.jpg\" \/><meta itemprop=\"embedUrl\" content=\"https:\/\/www.moneysharpnextstep.org\/?attachment_id=459&amp;kgvid_video_embed[enable]=true\" \/><meta itemprop=\"contentUrl\" content=\"https:\/\/www.moneysharpnextstep.org\/wp-content\/uploads\/2013\/12\/DP_222.mp4\" \/><meta itemprop=\"name\" content=\"DP_222\" \/><meta itemprop=\"description\" content=\"Video\" \/><meta itemprop=\"uploadDate\" content=\"2013-12-04T10:46:00-06:00\" \/>\n\t\t\t\t<video id=\"video_kgvid_0\" playsinline controls preload=\"metadata\" poster=\"https:\/\/www.moneysharpnextstep.org\/wp-content\/uploads\/2013\/12\/DP_222_thumb216.jpg\" width=\"640\" height=\"360\" class=\"fitvidsignore video-js kg-video-js-skin\">\n\t\t\t\t\t<source src=\"https:\/\/www.moneysharpnextstep.org\/wp-content\/uploads\/2013\/12\/DP_222.mp4?id=0\" type=\"video\/mp4\" data-res=\"360p\">\n\t\t\t\t<\/video>\n\t\t\t<\/div>\n\t\t<\/div>\n<p style=\"text-align: center;\">60 Minutes Video:\u00a0 &#8220;40 Million Mistakes&#8221;\u00a0 Is your credit Report accurate? <a title=\"Click here\" href=\"#60\">Click here<\/a><\/p>\n<\/blockquote>\n<p>There are many steps required to properly protect yourself and your discharge from your creditors, in the future.\u00a0 Failing to protect your discharge order will likely cost you money and hurt your credit score; making it much more challenging to recover from a Bankruptcy.<\/p>\n<p>Below you will find the steps MoneySharp takes to protect your discharge.<\/p>\n<table>\n<tbody>\n<tr>\n<th><strong>Steps<\/strong><\/th>\n<th class=\"views\"><strong>Description<\/strong><\/th>\n<\/tr>\n<tr class=\"odd\">\n<td style=\"background-color: #e0ebff;\"><strong>Dispute letters<\/strong><\/td>\n<td style=\"background-color: #e0ebff;\"><strong>Step 1.<\/strong> We prepare custom dispute letters based on the information in your most current credit report.<\/td>\n<\/tr>\n<tr class=\"even\">\n<td><strong>Discharge order &amp; Creditor service list<\/strong><\/td>\n<td><strong>Step 2.<\/strong> We prepare and include supporting documentation, including your Bankruptcy discharge order and your creditor service list.<\/td>\n<\/tr>\n<tr class=\"odd\">\n<td style=\"background-color: #e0ebff;\"><strong>Driver&#8217;s License &amp; SS Card<\/strong><\/td>\n<td style=\"background-color: #e0ebff;\"><strong>Step 3.<\/strong>\u00a0You provide two forms of personal identification and sign your dispute letters.<\/td>\n<\/tr>\n<tr class=\"even\">\n<td><strong>Send to Top 3 bureaus<\/strong><\/td>\n<td><strong>Step 4.<\/strong>\u00a0We send your letters to the top three credit reporting bureaus;\u00a0<a title=\"Equifax\" href=\"http:\/\/www.equifax.com\" target=\"_blank\">Equifax<\/a>,\u00a0<a title=\"Experian\" href=\"http:\/\/www.experian.com\" target=\"_blank\">Experian<\/a>\u00a0and\u00a0<a title=\"Transunion\" href=\"http:\/\/www.transunion.com\" target=\"_blank\">Transunion<\/a>.\u00a0 We send your letters via USPS Certified mail and Return receipt.\u00a0 Typical postage is $6.51 per letter.<\/td>\n<\/tr>\n<tr class=\"odd\">\n<td style=\"background-color: #e0ebff;\"><strong>Scan and save<\/strong><\/td>\n<td style=\"background-color: #e0ebff;\"><strong>Step 5.<\/strong> We scan every signed document sent, and returned.<\/td>\n<\/tr>\n<tr class=\"even\">\n<td><strong>Scan all responses<\/strong><\/td>\n<td><strong>Step 6.<\/strong> We keep detailed records of all disputes, follow up responses and results.<\/td>\n<\/tr>\n<tr class=\"odd\">\n<td style=\"background-color: #e0ebff;\"><strong>Credit Alert Enrollment<\/strong><\/td>\n<td style=\"background-color: #e0ebff;\"><strong>Step 7.<\/strong> We receive email and text alerts when potentially negative information hits your credit report.\u00a0 This requires enrollment in our notification system (included in the\u00a0Gold membership\u00a0level).<\/td>\n<\/tr>\n<tr class=\"even\">\n<td><strong>Immediate notification<\/strong><\/td>\n<td><strong>Step 8.<\/strong> We notify you immediately via email and or text of these changes and prepare a new dispute to correct the erroneous trade line in question.<\/td>\n<\/tr>\n<tr class=\"odd\">\n<td style=\"background-color: #e0ebff;\"><strong>Repeat Steps 1-6<\/strong><\/td>\n<td style=\"background-color: #e0ebff;\"><strong>Step 9.<\/strong> We repeat Steps 1-6 as many times are required to ensure your credit report trade lines are accurate and your Bankruptcy discharge is protected.<\/td>\n<\/tr>\n<tr class=\"even\">\n<td><strong>Pull your credit report<\/strong><\/td>\n<td><strong>Step 10.<\/strong> From time to time, it will become necessary for you to pull a copy of your full credit report.\u00a0 This is needed to ensure the steps you are taking in conjunction with our efforts are helping you achieve maximum success.\u00a0 We will assist you in getting 3-Bureau and 3-Score report for just for the lowest possible price on the market.\u00a0 Additional credit reports are only recommended to be pulled by you when absolutely necessary.\u00a0 This is done to eliminate any unnecessary costs and save you money.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Why is it important to photocopy, scan, use certified mail and return receipt mail to document every step of this process?<\/strong><\/p>\n<p>The only true way to protect your discharge is by keeping detailed records and evidence of your efforts to maintain your credit report as accurate as possible.<\/p>\n<p>YOU CAN DO THIS all on your own.\u00a0 We teach you every step of the process at the <a title=\"Silver Membership\" href=\"https:\/\/www.moneysharpnextstep.org\/?page_id=10#Silver\">Silver Membership<\/a> level.<\/p>\n<p>We use sophisticated technology and highly trained counselors to make disputing, documenting, responding, tracking and reporting as accurate as possible.<\/p>\n<p>By enrolling at the <a title=\"Gold Membership\" href=\"https:\/\/www.moneysharpnextstep.org\/?page_id=10#Gold\">Gold Membership<\/a> level, you will never need to interrupt your daily work, family or social lifestyle to document, track and monitor your creditors.\u00a0 We do all of the work for you.\u00a0 You also get access to our 18 month NextStep Coaching\u00ae program which is the most extensive coaching program available, designed to help you achieve your maximum financial success.<br \/>\n<strong><\/strong><\/p>\n<p><strong>The Ultimate Goal<\/strong><\/p>\n<p>The true goal and primary purpose of sending custom, accurate and truthful dispute letters and then documenting EVERY step of this process, is to keep your credit report as clean and accurate as possible.<\/p>\n<p>We want your credit report to accurately reflect your Fresh Start.\u00a0 We don\u2019t want your credit report to be marred with outdated with inaccurate information about your previous creditors and balances.<\/p>\n<blockquote><p>An accurate credit report is a healthy report.\u00a0 It is against federal law to dispute negative information on your credit report if it is truly accurate.<\/p><\/blockquote>\n<p>Once the credit bureaus and your creditors receive proper notification, your credit report should be accurate.\u00a0 When this happens, we know YOU have won.<br \/>\n<strong><\/strong><\/p>\n<p><strong>Additional Remedies<\/strong><\/p>\n<p>Quite often, creditors will not take the time to update their records nor properly notify the credit bureaus of your current account status.\u00a0 This happens regularly, even after a properly documented dispute letter.<\/p>\n<p>When this occurs, there are additional remedies to protect yourself from your creditors.\u00a0 Under the rules of the <a title=\"FDCPA\" href=\"https:\/\/www.moneysharpnextstep.org\/?page_id=175\">FDCPA<\/a>, you have the right to seek damages from your creditors, if they intentionally caused you financial loss due to their actions by listing a debt inaccurately on your credit report or by trying to collect on a discharged debt.\u00a0 We will notify you immediately, if we identify such a problem.\u00a0 For more information, call 866-200-6825 and ask to speak with one of our trained counselors.<br \/>\n<a name=\"60\"><\/a><br \/>\n<strong>60 Minutes Video:\u00a0 &#8220;40 Million Mistakes&#8221;\u00a0 Is your credit Report accurate?<\/strong><\/p>\n<p><iframe loading=\"lazy\" src=\"\/\/www.youtube-nocookie.com\/embed\/HdMR2wYNmt4?rel=0\" height=\"315\" width=\"420\" allowfullscreen=\"\" frameborder=\"0\"><\/iframe><\/p>\n<p><a title=\"Register online\" href=\"https:\/\/www.moneysharpnextstep.org\/?page_id=10\">Register online<\/a> or call today (866-200-6825) and speak with one of our trained counselors about our <a title=\"NextStep Coaching\u00ae\" href=\"https:\/\/www.moneysharpnextstep.org\/?page_id=313\">NextStep Coaching\u00ae<\/a> and <a title=\"Discharge Protection\u00ae Process\" href=\"https:\/\/www.moneysharpnextstep.org\/?page_id=181\">Discharge Protection\u00ae<\/a> programs. Learn which programs will meet your needs best.<\/p>\n<p style=\"text-align: center;\"><strong>Start your financial rebuilding process today<\/strong><\/p>\n<p style=\"text-align: center;\"><strong><a class=\"green button\" title=\"Log In\" href=\"https:\/\/www.moneysharpnextstep.org\/?page_id=10\">Sign Up<\/a><\/strong><\/p>\n<p style=\"text-align: center;\">Already registered then log-in below<\/p>\n<p style=\"text-align: center;\"><strong><a class=\"blue button\" title=\"Log In\" href=\"https:\/\/www.moneysharpnextstep.org\/?page_id=100\">Log In<\/a><\/strong><\/p>\n<p><a href=\"https:\/\/www.facebook.com\/moneysharpinc\" target=\"_blank\"><img loading=\"lazy\" class=\"alignnone wp-image-1064\" src=\"https:\/\/www.moneysharpnextstep.org\/wp-content\/uploads\/2015\/08\/facebook.jpg\" alt=\"facebook\" width=\"53\" height=\"22\" \/><\/a><a href=\"https:\/\/twitter.com\/moneysharp\" target=\"_blank\"><img loading=\"lazy\" class=\"alignnone wp-image-1063\" src=\"https:\/\/www.moneysharpnextstep.org\/wp-content\/uploads\/2015\/08\/tweeter.jpg\" alt=\"tweeter\" width=\"60\" height=\"24\" \/><\/a><a href=\"https:\/\/www.youtube.com\/user\/moneysharp\" target=\"_blank\"><img loading=\"lazy\" class=\"alignnone wp-image-1062\" src=\"https:\/\/www.moneysharpnextstep.org\/wp-content\/uploads\/2015\/08\/subscribe.jpg\" alt=\"subscribe\" width=\"114\" height=\"26\" srcset=\"https:\/\/www.moneysharpnextstep.org\/wp-content\/uploads\/2015\/08\/subscribe.jpg 154w, https:\/\/www.moneysharpnextstep.org\/wp-content\/uploads\/2015\/08\/subscribe-150x34.jpg 150w, https:\/\/www.moneysharpnextstep.org\/wp-content\/uploads\/2015\/08\/subscribe-100x23.jpg 100w\" sizes=\"(max-width: 114px) 100vw, 114px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Protecting your Bankruptcy Discharge Order is essential to you getting a TRUE \u201cFresh Start\u201d. 60 Minutes Video:\u00a0 &#8220;40 Million Mistakes&#8221;\u00a0 Is your credit Report accurate? Click here There are many steps required to properly protect yourself and your discharge from<span class=\"ellipsis\">&hellip;<\/span><\/p>\n<div class=\"read-more\"><a href=\"https:\/\/www.moneysharpnextstep.org\/?page_id=181\">Read more &#8250;<\/a><\/div>\n<p><!-- end of .read-more --><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"pmpro_default_level":0},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Discharge Protection\u00ae Process - MoneySharp NextStep<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.moneysharpnextstep.org\/?page_id=181\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Discharge Protection\u00ae Process - MoneySharp NextStep\" \/>\n<meta property=\"og:description\" content=\"Protecting your Bankruptcy Discharge Order is essential to you getting a TRUE \u201cFresh Start\u201d. 60 Minutes Video:\u00a0 &#8220;40 Million Mistakes&#8221;\u00a0 Is your credit Report accurate? 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