Credit Counseling Requirements

Under the changes to the Bankruptcy Code that took effect October 17, 2005, a person filing either a Chapter 7 or a Chapter 13 is required to take two short credit counseling courses, one before you file bankruptcy (credit counseling), and one after you have filed your case (financial management). The credit counseling agency must be approved by the United States Trustee. The counseling sessions can be done over the phone or internet, or in person, and take about a half hour to an hour. The agencies charge a small fee for the courses.

Approved Credit Counseling Agencies

Approved Financial Management Course Providers