ALL INDIVIDUAL DEBTORS MUST COMPLETE A CREDIT COUNSELING COURSE FROM AN APPROVED AGENCY WITHIN 180 DAYS PRIOR TO FILING A BANKRUPTCY CASE. (11 USC § 109(h)(1))
For a list of approved credit counseling agencies click HERE. Credit counseling is readily available online, by phone, or in person and is available in multiple languages. Upon completion of the course, a certificate will be issued which MUST be filed with the court.
EXEMPTIONS: 11 USC § 109(h)(4) and Local Rule 1007-1(d) outline requirements and procedure for those who may be exempt from the credit counseling requirement.