Do I need to attend a credit counseling session to file for Chapter 7 Bankruptcy?

Yes, you need to attend a credit counseling session to file for Chapter 7 Bankruptcy in California. This requirement is put in place to provide individuals with guidance and education on the various aspects of bankruptcy and finances in general. The credit counseling session must take place within six months before filing your bankruptcy petition. The credit counseling session must be from an approved provider, as listed by the US Trustee Program. During the credit counseling session, you will be provided with information about budgeting, managing money, and other basics of financial literacy. During the session, you will be given a certificate that you must file with your bankruptcy petition to show that the credit counseling session was completed. However, if you are facing a hardship, such as a disability or illness that does not allow you to attend the credit counseling session in person, you may be able to complete the session remotely or via the phone. Once you have completed the credit counseling session, you will be able to file your bankruptcy petition. Filing for Chapter 7 Bankruptcy in California is a complicated process, and the credit counseling session provides valuable information and guidance.

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