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Should I Have Credit Counseling Before Filing Bankruptcy?

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.

Covid and Bankruptcy

As part of the social distancing protocol, several businesses and well-established organizations in states all across the globe were legally obligated to follow through with

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Steps To File

Financial inventory First, you should gather all of your financial information. Be as detailed as possible about debts, income, assets, property, and monthly household living

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