There are two required counseling sessions that a person must complete before receiving a discharge of their debts under the bankruptcy code.
The first of these counseling sessions must be completed prior to the filing of the bankruptcy case.
This initial counseling session is generally referred to as the “pre-filing counseling” session and is mandated by Section 109(h) of the Bankruptcy Code.
The pre-filing counseling must be completed within 180 days of the filing.
Our firm uses CricketDebt for all of our pre-filing counseling. If you cannot complete the required counseling online, then it can be completed over the phone at 866-719-0400.
The second required counseling session must be completed prior to a Debtor receiving a discharge of their debts by the bankruptcy court.
This counseling session is often referred to as the “pre-discharge debtor education course” or “financial management course.”
Our firm uses Solid Start Financial for this course. If you cannot complete the debtor education online, then it can be completed over the phone at 866-719-0400.
The completion of the financial management course is mandated by Rule 1007(b)(7) of the Federal Rules of Bankruptcy Procedure.
The certificate of completion for the financial management course must be filed with the bankruptcy court within 60 days after the date first set for the meeting of creditors as in a Chapter 7 case, as required by Rule 1007(c) of the Federal Rules of Bankruptcy Procedure.