Answer: Do I have to take a credit counseling class

before I file bankruptcy?

Under the 2005 congressional mandate, all individuals who are going to file bankruptcy under chapter 7, chapter 11 or chapter 13 must complete a credit counselling course prior to filing the case. The course providers are found at http://www.justice.gov/ust/eo/bapcpa/ccde/cc_approved.htm It is available by internet, telephone and some of them in person. We provide a computer with internet access for those who desire to use it in our office for this purpose if a computer is unavailable to you or if it is more convenient for you. A certificate from the company is required to be filed with the Court showing that you completed the course. I currently use www.bkclass.com as a provider. They charge $25 and if you want me to receive a copy of the certificate, then when signing up for the class you indicate that holly guelich is your attorney when they request the attorney code.