Step One in Chapter 7 Bankruptcy Cases

You cannot file a Petition in Bankruptcy Court without first taking a Credit Counseling Course. With a few exceptions, it MUST be taken. It costs approximately $35 to $50 to take and you can take it either on the phone or online. Shop around for the best deal and remember, you need to file within 180 days after you take the Course or you will need to retake the course.