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

Yes, you are required to attend a credit counseling session before filing for Chapter 7 Bankruptcy in Utah. This is to help you make informed decisions about filing and to make sure you understand the process. The session will provide you with an overview of the bankruptcy system as well as advice on budgeting, managing debts, and other aspects of financial management. The session must be completed within 180 days before filing the bankruptcy petition. You must also attend a Debtor Education session before your bankruptcy is discharged. The Debtor Education session is designed to help you develop money management skills and understand the implications of filing for bankruptcy. The session must be completed after filing the petition, but before your debts are discharged. It is important that you take the time to attend the credit counseling and debtor education sessions as they will provide you with the information necessary for a successful filing. Bankruptcy is a serious decision and it should not be taken lightly. By understanding the process and taking the time to review your options, you can make an informed decision on how to proceed with your bankruptcy.

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