Mandatory Credit Counseling For  Chapter 7 and Chapter 13 Bankruptcy

Under the 2005 Bankruptcy Act, you will need to undergo credit counseling within six months before you file and you must complete a financial management course after filing. Credit counseling is conducted by a United States Trustee authorized credit counselor and must be completed before you file for bankruptcy in California. It is a requirement for ALL individual debtors. When you have received your credit counseling, the credit counselor will issue a certificate that must be filed with the California bankruptcy courts. If you are filing jointly with your spouse, both of you must complete credit counseling. The failure to timely file a properly issued credit counseling certificate will result in the dismissal of your California bankruptcy case.

A lot of credit counseling companies offer online courses that you can take from the comfort of home.  Once you complete the online credit counseling course and satisfactorily complete the associated test you can receive your credit counseling certificate electronically.  Once you have  your credit counseling certificate you can send it to your California bankruptcy attorney to be filed as required by California bankruptcy law.

You can view all approved California Credit Counseling organizations at