In most cases, you must get credit counseling 180 days before filing for bankruptcy. You must also complete an educational course on debt management before you can have your debts discharged.
Pre-bankruptcy counseling should include:
- A thorough review of your finances
- Discussion of bankruptcy alternatives
- Personal budget plan
Credit counseling sessions usually only last an hour and can be done in-person, over the phone, or online. If you can’t afford the fee, you may request a fee waiver. The session typically costs around $25. After completing the credit counseling requirement, the organization will supply you with a certificate, which you will use as proof when you file for bankruptcy.