Before you can file your case, you must submit yourself to credit counseling. It’s called Pre-Bankruptcy Credit Counseling or Pre-Filing Credit Counseling. Most people do it online. I’ve seen companies that charge $75 per couple or $50 per person. However, these are my current favorites.
IF YOU ARE MARRIED, YOU MUST BOTH OF YOU DO THE CREDIT COUNSELING TOGETHER. IF YOU DO IT ONLINE, YOU MUST STILL DO THE COUNSELING ONLINE AND DO IT TOGETHER. IF ONE OF YOU IS IN THE HOSPITAL, TAKE A LAPTOP TO THE HOSPITAL AND DO IT TOGETHER. IF I LEARN THAT ONE OF YOU WAS NOT PRESENT FOR THE CREDIT COUNSELING, THEN THE ONE WHO WAS NOT PRESENT WILL HAVE TO DO IT AGAIN.
For only $16 per case Urgent Credit Counseling which is also reliable and quick. This outfit doesn’t use law firm codes but instead wants you to enter my email AttorneyDavidNelson@gmail.com and my fax 858 228 9763.
This one is only $5 but is clunky to navigate and takes a long time to complete. Pre-Filing Bankruptcy Credit Counseling for $5 or possibly as low as $0. ONLY If you have some extra time before your case is filed, can you use this one.
POST FILING PRE-HEARING DEBTOR EDUCATION COURSE
After you File Your Case you MUST also do a Debtor Education Course, If you filed individually then (CLICK HERE FOR THE $15 COURSE) use code 357892 and it MUST be done prior to the hearing date.
If you filed a joint bankruptcy case, use Urgent Credit Counseling for the $24 course which covers the two of you or $12 each.