Mandatory Credit Counseling

As part of the Bankruptcy Amendments passed by Congress in 2005, anyone who wants to file for bankruptcy must first complete both pre-filing bankruptcy counseling and a debtor education class before they may file their bankruptcy petition.

This applies to individuals and business owners who are filing for Chapter 7, Chapter 11 and Chapter 13 bankruptcy.

Pre-Filing Bankruptcy Counseling

No matter where you live in the United States, you are required to complete credit counseling with an approved debt-counseling agency before you will be allowed to file for bankruptcy. This can be done either in person, over the phone or the Internet, and sessions typically take one hour to complete. This is not the same as a debt management plan, and is nearly always the first step in filing bankruptcy.

Debtor Education

After you have filed your bankruptcy petition but before the process is complete, you must take a debtor education course before you are allowed to discharge your debts. Just as with pre-filing bankruptcy counseling, this can be done over the phone or online.

It's important to know that a debtor education course cannot be taken until your bankruptcy case has been filed and you have a case number, which means you may not be able to complete credit counseling and debtor education at the same time.

Below are two resource links that can help you get started with pre-filing bankruptcy counseling:

       www.debtorcc.org (online counseling)

       www.decafnow.com (telephone counseling)

Contact Kruger & Schwartz For Guidance And Support

At our law firm, our attorneys are knowledgeable guides throughout the bankruptcy process and work with you to make sure that you are taking the appropriate steps with your bankruptcy petition. We know where to find an accredited credit counseling agency and we can explain the correct timeline in which you should complete your pre-filing work.

To obtain our services, contact out firm online or call either our Louisville or New Albany office by calling 502-485-9200 (Kentucky), 812-945-9200 (Indiana) or 866-366-3328 (toll free). Our bankruptcy lawyers are available for free initial consultations when you need us, including after hours, on weekends and for in-home appointments.