Pre-filing and Pre-discharge Credit Counseling Requirements

Pre-Filing and Pre-Discharge Credit Counseling Requirements

Before filing a Chapter 7 or Chapter 13 bankruptcy case, all consumers are required to complete a "pre-filing" credit counseling session, and receive a certificate of completion from an approved consumer credit counseling service. The list of approved credit counselors is maintained by the U.S. Trustee, which is the office-in-charge of bankruptcy. You can access the master-list of approved credit counselors, authorized by the U.S. Trustee, by going to the Trustee's website at
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