What are the requirements for credit counseling after I file for bankruptcy?

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Post Bankruptcy Filing Credit Counseling


Post Bankruptcy Filing Debtor Education and Credit Counseling

In addition to mandatory credit counseling before bankruptcy, you must also complete a debtor education course by an approved counselor to have your debts discharged.

This session will include information about:

  • budgeting;
  • managing money;
  • using credit wisely; and
  • make you aware of other resources available to help you manage money and credit in the future.

As with the pre-filing credit counseling session, the post-filing session can be done in person, over the phone, or online, but where the pre-filing session lasts for approximately one hour, the post-filing session will generally last for up to two hours.

Fees for the post-filing debtor education will range from $50 to $100, unless you ask for and obtain a waiver from the counselor prior to your session. You will receive a certificate as proof that you have completed the post-filing debtor education. This is a separate certificate to the certificate you received prior to filing for bankruptcy.

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