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

Yes, you must attend a credit counseling session prior to filing for Chapter 7 bankruptcy in Virginia. The purpose of the session is to determine if there are options available which will allow you to avoid bankruptcy. For example, the credit counselor may suggest a debt management plan or debt consolidation. The credit counseling session also provides valuable information to help individuals make informed decisions about their finances, such as budgeting and money management tips. The credit counseling session must be completed online, over the phone, or in-person – at least 180 days before the bankruptcy is filed. It must be approved by the United States Trustee’s office. Depending on which option is chosen, the cost may be free or a fee may be required. The amount of the fee is determined by your state and is not a part of the bankruptcy filing fees. Once the credit counseling is complete, a certificate of completion must be presented to the bankruptcy court. If the certificate is not provided, your bankruptcy will be delayed or dismissed. It is imperative to ensure the certificate is provided to the court as it is an important part of the bankruptcy process.

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