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Pre-Bankruptcy Credit Counseling

Individual bankruptcy filers are required to complete pre-bankruptcy credit counseling and pre-discharge debtor education. These may not be provided at the same time. Credit counseling must take place before you file for bankruptcy; debtor education must take place after you file.

Certificate of completion for both credit counseling and debtor education are required but before the filer’s debts can be discharged.

Only credit counseling organizations and debtor education course providers that have been approved by the U.S. Trustee Program may issue these certificates.

The following providers are recommended:

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Perliski Law Group Bankruptcy

The Perliski Law Group is dedicated to helping small business owners survive the closure of their business and the resulting financial damage caused the collapse of their business. During your free initial consultation, we will explain how the Bankruptcy process works and outline the debt relief options that may be available to you under Chapters 7, 11 & 13.

(214) 446-3934

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Helpful Articles

What debts are dischargeable?

Question: What debts are dischargeable? Answer: Generally, all debts listed on the petition are dischargeable. However, certain types of debt listed in 11 U.S.C. §523 are not dischargeable. The non-dischargeable debts listed in §523 include, but are not limited to: a....

How long do I have to wait between Bankruptcy filings?

After the Bankruptcy Abuse and Consumer Protection Act of 2005 (BAPCPA), the wait times between filing various chapters of bankruptcy changed. For chapter 7 cases, Section 727(a)(8) of the Bankruptcy Code controls and for Chapter 13 filings, Section 1328(f) of the...

How can I get a copy of my tax transcript from the IRS?

Question: How can I get a copy of my tax transcript from the IRS? Answer: The bankruptcy court requires tax returns or tax transcripts with your bankruptcy petition. Either one is acceptable. If you don't have a copy of your tax return you can request a tax...

“We highly recommend the Perliski Law Group! They worked diligently with us to create an offer in compromise that was accepted by the SBA and the lender. Fair price and very responsive to all our questions and concerns. We couldn’t have asked for more.”

Jim H.