You Must Take a Court Approved Credit Counseling Course BEFORE Filing Bankruptcy
Every time I sit in court on confirmation hearings there are at least a few cases that get dismissed because the debtor's did not complete their court required pre-filing credit counseling course before they filed their bankruptcy case. The Bankruptcy Code is very clear on this and
Your case will get dismissed if you fail to complete the course prior to filing your bankruptcy case.
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There are plenty of courses to choose from and a few will provide you with a completion certificate on an emergency basis. You can file your bankruptcy case, the moment your course is complete and can file the certificate at a later time. Since the course certificate is date and time stamped, the court will be able to confirm that you've completed the course before your bankruptcy case was commenced.
Here's a list of approved credit counseling agencies. Just click on your state from the drop down menu and you can choose from any company on the list. Here in California, we have the best deal in the market for pre-filing credit counseling courses. This course was once offered for free, but now the certificate costs $5.00. For this low cost course, go to Consumer Bankruptcy Counseling. Save yourself the hassle of filing twice and comply with the rules. Call your local bankruptcy attorney for a free consultation if you're not sure what course of action is right for you.
