The Bankruptcy Code mandates that the debtor take a credit counseling course within 180 days prior to filing bankruptcy. You can find a course provider by search on the internet or I can give you the information when we meet. No course is any better than another so pick the least expensive.

The course is one of the many useless hoops debtors must jump through prior to filing their bankruptcy petition. There’s really nothing to be gained from the “course,” except that you need the certificate to file bankruptcy. It’s your ticket into the bankruptcy system. Enter the information quickly, and get it over with. However, don’t take the course until shortly before you are scheduled to file bankruptcy. It’s only good for 180 days, and you don’t want to have to waste your time on this useless exercise again.

There will also be a second course that you will be required to take when your case is filed in order to receive your discharge order. This course must be done and the certificate filed within 45 days after your 341 meeting occurs. Again the comments I’ve made above apply to this course also.