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Pre-Bankruptcy Counseling

Credit counseling must take place before you file for bankruptcy;

In general, you must file a certificate of credit counseling completion when you file for bankruptcy, and evidence of completion of debtor education after you file for bankruptcy.

A pre-bankruptcy counseling session with an approved credit counseling organization should include an evaluation of your personal financial situation, a discussion of alternatives to bankruptcy, and a personal budget plan. A typical counseling session should last about 60 to 90 minutes, and can take place in person, on the phone, or online.

Once you have completed the required counseling, you must get a certificate as proof. This certificate must be filed with your bankruptcy petition.

Post-Bankruptcy Counseling

A Debtor education course must take place after you file but before your debts are discharged.

A debtor education course should include information on developing a budget, managing money, using credit wisely. Like pre-filing counseling, debtor education may be provided in person, on the phone, or online. The debtor education session might last longer than the pre-filing counseling – about two hours.

Once you have completed the required debtor education course, you should receive a certificate as proof. This certificate is separate from the certificate you received after completing your pre-filing credit counseling.

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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. The Cook Law Firm, APLC is not engaged in rendering legal or other professional services by posting said material.