Do I have to attend a credit counseling course to file for Chapter 7 Bankruptcy?

Yes, you do have to attend a credit counseling course to file for Chapter 7 Bankruptcy in California. There are two types of courses available: personal financial management courses and credit counseling courses. The type of course required depends on the type of bankruptcy filing you are doing, such as Chapter 7 or Chapter 13. In order to be eligible to file for Chapter 7 bankruptcy, the credit counseling course you attend must be approved by the US Trustee Program. This program is overseen by the Department of Justice and coordinates the administration of bankruptcy cases and trustees. When you attend a credit counseling course, you will be given a certificate that must be filed with the court when you file for bankruptcy. The credit counseling course must be completed within 180 days before you file for bankruptcy. If you are eligible for Chapter 7 bankruptcy, the course must include information about budgeting, money management, and the potential effects of bankruptcy. The counseling session will typically last about an hour and can be done online or by phone. Once you have completed the credit counseling course and filed for bankruptcy, you will be required to attend a debtor education class. This class must be completed and the certificate filed with the court prior to the discharge of your debts in bankruptcy.

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