Credit Counseling, Debtor Education & Exceptions to the Requirement
Credit Counseling, Debtor Education & Exceptions to the Requirement
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The Debtor Education Course Requirement in Bankruptcy
Before you can receive a discharge in Chapter 7 or Chapter 13 bankruptcy, you must complete a course in personal financial management (also called the predischarge debtor education course). The purpose of the debtor education course is to teach you how to manage money and use credit wisely after bankruptcy. If you don’t complete the debtor education requirement, the court won’t issue a discharge in your bankruptcy. Learn more about the debtor education course requirement in bankruptcy.
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Exceptions to Bankruptcy's Credit Counseling and Debtor Education Requirements
When you file a consumer bankruptcy under Chapter 7 or 13 of the Bankruptcy Code, you are required to complete a credit counseling course before you file your bankruptcy and a debtor education course after you file but before you receive your discharge.
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How to Get Bankruptcy Credit Counseling If You Don’t Speak English
The U.S. Trustee has a list of approved bankruptcy credit counseling and debtor education agencies that provide services in Spanish and 29 other languages.