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Credit counseling must take place before you file for bankruptcy; debtor education must take place after you file. Certificate of completion for both credit counseling and debtor education are required but before the filer’s debts can be discharged.
Credit counseling agencies listed on this Web page are nonprofit budget and credit counseling agencies approved to provide counseling that individuals must take before they are eligible to file for bankruptcy protection, 11 U.S.C. § 109 (h).
Credit counseling (CC) must be obtained before an individual files for bankruptcy, subject to very limited exceptions. If the CC course is not completed before filing, the case could be dismissed. Debtor education (DE) is a separate course that must be taken after an individual files for bankruptcy.
The Bankruptcy Code requires individuals to complete credit counseling before filing for bankruptcy, subject to certain exceptions, and requires debtor education to be completed after the bankruptcy case is filed, subject to certain exceptions.
Everyone has to complete a pre-bankruptcy credit counseling course before and a pre-discharge debtor education course after filing their bankruptcy case. You have 6 months to take the pre-filing course.
U.S. Trustee approved non-profit organization providing the pre-filing bankruptcy credit counseling course for bankruptcy filers. Receive your certificate immediately after completing the course.
Our online courses help you to analyze your spending and debts, and review the basics of good financial planning to help you get a fresh start after bankruptcy. Learn about course costs, hours, and more. Prefer to do the course by phone? Access client certificates, request client handouts and more.