Credit Counseling Before Filing Bankruptcy

It's not hard to take credit counseling

One of the many unfortunate results of the 2005 BAPCPA is the credit counseling requirement. People who want to file chapter 7 or chapter 13 bankruptcy must complete credit counseling from an approved credit counseling agency.  While not difficult to complete, credit counseling stands as yet another hurdle to be cleared before filing.

You can take credit counseling online or over the phone.  Phone providers generally charge more, sometimes as much as $40 for the hour-long course.  Internet providers are less expensive with many courses ranging from $10 to $20.  DebtorCC offers a $10 online credit counseling course without any wait time between completing the course and emailing the certificate.  Therefore, those wishing to file an emergency bankruptcy petition are well served by taking DebtorCC's credit counseling course.

There's no way to fail credit counseling.  You really just need to complete the course and get the certificate.