Bankruptcy Credit Counseling

Everything you need to know about bankruptcy credit counseling for your case

    2 CREDIT COUNSELING COURSES ARE REQUIRED:
  • Pre-Filing Credit Counseling Course
  • Post-Filing Credit Counseling Course
  • Each course can be completed online or by phone.

    You can't fail this course - you just need to take it.

    A Certificte of Completion for each course must be filed with the court.

    #1. Pre-Filing

    The Credit Counseling Course

    This course must be completed before the case can be filed with the bankruptcy court. By law, this course must be at least 1 hour in length. The certificate of completion is filed with your petition.

    #2. Pre-Discharge

    The Debtor Education Course

    This course must be completed and the certificate of completion must be filed with the bankruptcy court within 45 days after your Section 341 meeting. Otherwise, your case will be dismissed.

    I recommend the courses by the following UST approved counseling agencies:

    credit counseling

    If course taken online

    $9.99 - first course | $9.99 - second course

    credit counseling

    If course taken by phone

    $25.00 - first course: Call (800) 516-3834

    $35.00 - second course: Call (800) 516-2759

    YOUR JUDICIAL DISTRICT IS: Northern District of Illinois

    More information about the credit counseling requirement, and more approved counseling agencies can be found at the UST website.