Credit Counseling For Bankruptcy
Before filing for bankruptcy, you’re required to complete a credit counseling course from an approved provider. This federally mandated step ensures you understand your financial options, including alternatives to bankruptcy. At DebtErasers, we make this process simple, straightforward, and stress-free.
Do You Need to Take Credit Counseling To File for Bankruptcy?
Yes, the credit counseling course is a mandatory requirement before you can file for Chapter 7 or Chapter 13 bankruptcy. It provides an overview of your financial situation and evaluates alternatives, helping you make an informed decision.
The course is affordable, easy to follow, and typically takes under one hour to complete. Once finished, you’ll receive a certificate of completion that’s required for your official bankruptcy filing.
How the Credit Counseling Process Works
Step One
Begin with a complimentary consultation with a DebtErasers bankruptcy attorney.
Step Two
If bankruptcy is the right option, we’ll provide you with a discounted referral link to complete your course with DECAF (Debt Education and Certification Foundation).
Step Three
Complete your counseling session online or by phone in 40–60 minutes.
Step Four
Receive your official certificate. A copy is also sent to your attorney automatically to include in your filing.
What You Need Before Starting
- A general understanding of your income, monthly expenses, and debts
- Your User ID from the DECAF registration
- No need for exact numbers, estimates are fine
How Much Does The Credit Counseling Course Cost?
The course typically costs $50, but if you sign up through DebtErasers, you may be eligible for a special discount.
Frequently Asked Questions
How Long Will It Take?
Most people complete it in under one hour.
Is The Credit Counseling Course Hard To Pass?
Not at all. It's not a test. It's a review and educational tool to help you understand your financial situation.
Can I Do It Over The Phone?
Yes! DECAF provides a toll-free number so you can complete the course by phone if preferred.
We're Here to Help
If you have any questions about the course or how to get started, o not hesitate to contact your DebtErasers attorney by phone or email.