With the laws that were passed in 2005, you have to get pre-bankruptcy debt counseling in order to be able to file a chapter 7. It’s the law now that you get counseling before and after filing bankruptcy.
The debtor has to get counseling and certification from a non-profit credit-counseling agency before the forms can be filed for your bankruptcy.
You’ll only need to take one or two sessions in order to get certification. With that certification, you can proceed with your bankruptcy filing.
There’s also work you’ll need to do even before you get your pre-filing credit counseling certification, and there are also forms you’ll need to fill out during your sessions.
The first form is the income certification form. It’ll state your income and also it will show a fee schedule.
Keep in mind as well, that the budget form will also need to be filled out, but that form is very self-explanatory and easy to understand.
With these forms completed, and your certification now complete, you’ll need the non-profit credit counselor to fill out your affidavit and agreement for credit counseling. Your attorney will notarize the form, but you’ll also need to send it along with a copy of your state ID.
All of these forms need to be presented to the court clerk before you begin to file your bankruptcy paperwork along with a notable fee.
You may be able to get this service online and even on the phone. Many companies will offer their service in the office, but they also are very flexible with the sessions. Once you’ve completed these steps, you’re ready to file the paperwork with your bankruptcy court.
You’ll need to be prepared, and understand what things you expect to happen during the court process. You will want to keep in mind that another counseling session is a must in order for you to plan better for the future, so you don’t find yourself in this boat again.