December 18, 2013

Obtaining a Bankruptcy Counseling Certificate

bankruptcy counselingIn order to file for personal bankruptcy, you are required to first get a bankruptcy counseling certificate.  You must seek out a qualified credit counselor and complete your counseling before applying for bankruptcy. This will help to ensure that bankruptcy is your only viable option. After filing, you’ll complete a debt management education course. Ultimately, having this education is meant to prevent a second visit to bankruptcy court.

You’ll want to find a reputable counseling provider, as this will come up when your case is reviewed. During counseling sessions you can expect the following:

  • Reviewing personal income, expenses, and assets
  • Determining if bankruptcy is the correct solution for your financial troubles
  • Creating a budget plan that describes your spending as well as financial goals

In order to be conveniently completed, pre-bankruptcy counseling can be done in-person, over the phone or through online courses at Each session will last roughly one hour and commonly cost around $50. If you cannot afford counseling, you can apply for a fee waiver prior to the start of your course.

After completing your session, you will be issued bankruptcy counseling certificate by mail, fax or email.

Before your debts can be discharged, you’ll need to complete the debt management education mentioned above. For more information on filing for bankruptcy, make an appointment today.

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