Do I need to have any credit counseling to file for bankruptcy?

Yes.  Before filing for bankruptcy, a debtor is required to undergo credit counseling by an approved credit counseling agency, which will analyze the debtors financial situation, identify the factors that led to the situation, and assist the debtor in developing a plan to deal with the debt.  After filing, but before receiving a discharge, a debtor must also attend a financial management course given by an approved counselor.

See our blog posts “Bankruptcy Steps – Part A Steps Before Filing” and “Bankruptcy Steps – Part B – Steps After Filing“.

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