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Mandatory Credit Counseling
One major change with the passage of the 2005 Bankruptcy Abuse and Consumer Protection Act, is the requirement that all persons filing a chapter 7 or chapter 13 must complete credit counseling courses offered by approved counseling agencies.
These courses may be done online or over the phone, and generally take about an hour of your time. The cost ranges from about $40 - $50 per course. At the conclusion of the course the agency will provide you a physical or emailed certificate of completion which your attorney must file with the Bankruptcy Court. There are two courses; the credit counseling course must be completed before you file your case or the court will ultimately dismiss your bankruptcy. The second financial management education course must be completed before the case is completed. Failure to complete this course and file the certificate may result in the closure of your case without a discharge - if this happens your creditors might not be discharged. The link below will take you to an approved list of counseling agencies.
NOTICE: If you have not already completed your counseling, we can make arrangements for you.