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 Virginia. The state of Virginia requires all individuals filing for Chapter 7 Bankruptcy to attend a credit counseling course. The course is designed to help individuals evaluate their financial situation and to provide them with the resources and information needed in order to make informed decisions about their finances. The credit counseling course must be taken within 180 days of filing for bankruptcy in Virginia. The course must be taken with a qualified credit counseling agency approved by the U.S. Trustee Program. The course typically lasts an hour and can be taken in person, by telephone, or online. At the conclusion of the course, the credit counseling agency will provide you with a certificate that must be filed with the court as part of your bankruptcy petition. The certificate will indicate that you have completed the credit counseling course and that the agency believes you are educated in personal financial management. In addition, you may want to consider attending additional courses such as money management, budgeting, and debt payoff. These courses will help you understand how to manage your finances to avoid future problems and how to restructure your debt in order for a successful financial future.

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