Credit Counseling
Per the Bankruptcy Reform Act of 2005, you are required to complete a counseling
session with an approved credit-counseling agency prior to filing. This is
mandatory whether you file a Chapter 7 Bankruptcy or Chapter 13 Bankruptcy. You
may use any approved credit-counseling agency. We recommend using InCharge Bankruptcy Counseling
(www.personalfinanceeducation.com)
who will complete the entire counseling process in two sessions online. You will
receive a certificate of completion after your first session with counseling
agency. The second session is a "test" and for completing it, you will receive
an "Educational" Certificate of Completion. The first certificate is filed at
the same time as your Petition and the second one filed anytime after you file
the Petition with the court and receive a case number.
List of
Credit Counseling
Agencies
Approved Pursuant to 11 U.S.C. ยง 111
