Pre-Filing Credit Counseling Requirement

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ALL INDIVIDUAL DEBTORS MUST COMPLETE A CREDIT COUNSELING COURSE FROM AN APPROVED AGENCY 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.