With limited exceptions, all filers for bankruptcy protection must complete a credit counseling course or session within six months prior to the filing of their bankruptcy petition. This was one of the changes which became effective under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BABPCPA). Also, a debtor's education course is required to be completed before the bankruptcy court will grant a discharge from debts. The U.S. Trustee program has an extensive list of approved providers who have the agency's approval to offer these mandatory requirements, and also the website lists those agencies which are no longer in existence.
If you are considering filing bankruptcy, you can consult with a bankruptcy attorney if you are unsure of how to proceed with credit counseling. However, the process is usually simple and straightforward. To find a list of providers in your jurisdiction you can visit the agency's website here.
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