Do I Have to Take the Credit Counseling Course Before Bankruptcy?

Before filing for Chapter 7 or Chapter 13 bankruptcy, you must contact a nonprofit credit counseling agency and fulfill the credit counseling requirement. The credit counseling requirement includes a few steps, but essentially, the requirement proves that you’re knowledgeable on the bankruptcy process and you know that it’s right for you.

At Rowdy G. Williams Law Firm, an experienced Terre Haute bankruptcy lawyer can prepare you to take your credit counseling course. Your attorney can also help you through the filing process so that when the time comes, you’ll be prepared to get through bankruptcy as painlessly as possible.

Steps to File for Bankruptcy

To file for bankruptcy, you’ll need to fill out a variety of bankruptcy forms that explain your financial situation, prove that you’ve completed the credit counseling course from an approved credit counseling agency within 180 days before filing for bankruptcy, and pay a filing fee. The credit counseling course can be completed online, in person, or over the phone.

Once completed, your credit counseling agency will send you a certificate of completion to file with your bankruptcy paperwork. A separate required course known as debtor education must be taken after you file for bankruptcy.

Contact a Terre Haute Bankruptcy Attorney

There are multiple requirements put in place for bankruptcy because it’s essential that, if you file, you are knowledgeable about what the process entails. With the help of an attorney from Rowdy G. Williams Law Firm, all of your questions and concerns will be addressed throughout the legal process. You can rest assured that when you file, everything will be documented properly and on time.

If you’re ready to speak with a Terre Haute bankruptcy lawyer about your situation in further detail, you can schedule a free consultation today by filling out the contact form below or by calling 1-812-232-7400.