Bankruptcy counseling is counseling that you’re required to complete in order to file Chapter 7 or Chapter 13 bankruptcy. To fulfill this requirement, your bankruptcy counseling agency must be approved by the U.S. Trustee Program. (Agencies located in North Carolina or Alabama must be approved by the local Bankruptcy Administrator). Bankruptcy counseling consists of two separate sessions. You’ll receive your certificate of completion after attending both sessions:
- Pre-bankruptcy credit counseling
- Pre-discharge debtor education
NFCC member agencies provide bankruptcy counseling face-to-face, over the phone and online