What are the Credit Counseling and Debtor Education Classes I have been hearing about?
Every person who files Chapter 7 or 13 bankruptcy will have to take a credit counseling “briefing” within 180 days PRIOR to filing their bankruptcy and file a certificate of compliance. There is also a budget class that must be taken within 45 day s after filing your bankruptcy. Before filing bankruptcy you must take one class called credit counseling: Institute for Financial Literacy YOU MUST TAKE THIS CLASS BEFORE THE ACTUAL DAY THE BANKRUPTCY IF FILED After filing your bankruptcy you must take a class called Personal Financial Management. Arizona Learning Connections, LLC . DO NOT TAKE THIS CLASS BEFORE FILING YOUR BANKRUPTCY. Important Note: Be sure to confirm that they are approved by the US Trustee’s Office – Credit Counseling and Debtor Education . Credit Counseling Class- Congress requires that you take a credit counseling class before you are permitted to file for bankruptcy. If you are married both must take this class. The class can be taken on the internet by phone. One acc
