What are the reasons you can be granted a waiver from completing credit counseling services?
A. The requirements of credit counseling services may be waived for a debtor who the Court determines, after notice and hearing, is unable to complete those requirements because of incapacity, disability, or active military duty in a military combat zone. For the purposes of this requirement, incapacity means that the debtor is impaired by reason of mental illness or mental deficiency so that he is incapable of realizing and making rational decisions with respect to his financial responsibilities and disability means that the debtor is so physically impaired as to be unable, after reasonable effort, to participate in an in person, telephone or internet briefing as required by law.
