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What's pre-bankruptcy credit counseling?

If you want to complete your bankruptcy process, you'll need to complete pre-bankruptcy credit counseling and pre-discharge debtor education. The pre-bankruptcy counseling must be completed before you can file your bankruptcy and the pre-discharge education must be completed before you receive your discharge approval.

These counseling and education requirements are not only required by law, but most bankruptcy filers find them helpful and informative. They can help you get on the right financial track by addressing the potential reasons why you may have fallen into debt, and offering tips, tricks and practices to help you avoid falling into debt a second time.

The pre-bankruptcy credit counseling can be completed within the privacy of your own home via the internet. You can also finish the counseling via the telephone and in-person. Whichever method you prefer will fulfill the counseling requirement that allows you to finalize your bankruptcy filing process.

By far, the preferred method for completing the counseling requirement is via the internet because it's less expensive, fast and convenient. Just remember to finish the counseling within 180 days before filing your bankruptcy. If you wait longer than 180 days after the counseling to file, then you'll need to take the course again and refile.

As for debtor education, this component is fulfilled after filing your bankruptcy. The debtor education requirement must be completed or you cannot receive your final bankruptcy discharge.

These courses must be completed via an approved debtor education provider. Your King County bankruptcy lawyer can assist you in identifying an appropriate credit counseling and debtor education provider that will help you fulfill these requirements.

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