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Credit Counseling & Debt Education Courses

New bankruptcy laws passed in 2005 make it a requirement that anyone filing personal bankruptcy must complete a credit counseling and debt education course. After successfully completing the courses, a certificate of completion will be issued and should be given to your attorney to be filed with the U.S. Bankruptcy Court.

Credit counseling Course

The credit counseling course is completed prior to filing bankruptcy. This course must be completed within six month of filing the petition. Upon completion you will be allowed to file your Chapter 7 or Chapter 13 Bankruptcy petition. The course is completed over the telephone or online and typically takes between 60 and 90 minutes.

Debtor Education

The debtor education course is started after filing your Chapter 7 or Chapter 13 bankruptcy petition and should be completed prior to your 341(a) Hearing. This course must be completed before your Discharge will be granted. The course is completed over the telephone or online and typically takes between 60 and 90 minutes.

There are a variety of firms that provide this service in New Jersey and New York. You can find a list of approved credit counseling and debt education firms by clicking here.

For more information on credit counseling of debtor education courses please feel free to contact our law firm.

The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

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The Law Office of Marc G. Alster - Hackensack Bankruptcy Attorney
Located at 2 University Plaza Drive, #311, Hackensack, NJ 07601.
Phone: (201) 878-4630.
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