One of the requirements of the new bankruptcy law that went into effect in October 2005 is that all individual debtors filing a bankruptcy case must complete a credit counseling course by a certified company within six months prior to the filing of their bankruptcy case.
The certificate for a completed credit counseling course is valid for 6 months.
If for some reason you obtain a certificate and do not file your bankruptcy case (Chapter 7, Chapter 13 or Chapter 11) within 6 months, then you need to take the course again and obtain another certificate.
The course itself probably takes about an hour or so to complete. Many credit counseling agencies allow this to be done online. I recommend my clients use the $5 credit counseling site or this site if they are in a hurry.
There is another financial management course which Congress requires debtors to take AFTER the bankruptcy case is filed. This is a prerequisite to obtaining a discharge of debts. This financial management course (also called a debt management course) takes a much longer amount of time to complete and can also be done online in many instances.
Call me and I can direct you to a few sources to get your certificate! (818) 714-2200.
The Law Offices of Chirnese L. Liverpool represents clients in California with: bankruptcy court, filing for bankruptcy, chapter 7 bankruptcy, and chapter 13 bankruptcy representation. You may schedule your appointment by calling 818-714-2200.
North Carolina Bankruptcy Attorney Victorianne Maxwell assists clients with filing for bankruptcy in the Charlotte North Carolina Area. Her office can be contacted at 704-461-1883.
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