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Credit Counseling

Credit Counseling
Anyone who files bankruptcy after October 17, 2005 must attend a credit counseling class and a financial management class.

Before you file the petition

Before you file a Chapter 7 petition, you must satisfy a few requirements.  For example, there are residency requirements and a mandatory credit counseling class that you must attend.  When you attend the credit counseling class you will receive a “Certificate of Counseling.”  After you attend the credit counseling class, your Certificate of Counseling is good for 180 days (6 months).  This means that you must file your bankruptcy petition within 180 days (6 months) of taking the class.

After you file the petition

After you file your petition, you will be assigned a case number.  You must then attend a financial management class.  The financial management class is different and in addition to the credit counseling class that you must take prior to filing your petition.  After you attend the financial management class, you will receive a “Certificate of Debtor Education.”

In addition to the Certificate of Debtor Education, you must fill out Form 23 (Debtor’s Certification of Completion of Post-petition Instructional Course Concerning Personal Financial Management).

If you have any questions, please contact us.  Remember, we are here to help.