Credit Counseling Requirements for Filing a Personal Bankruptcy

Bankruptcy filers in the Atlanta area and elsewhere are required to participate in two mandatory educational classes as part of your Chapter 7 or Chapter 13 filing.

Before you file, you must attend a credit counseling course. Available online or even over the phone this 60 to 90 minute course is designed to expose you to non-bankruptcy alternatives and to explain the implications of filing Chapter 7 or Chapter 13. The credit counseling certificate of completion must be filed with your petition. If you file without the certificate your case will be dismissed.

After you file, you are required to attend a second course called a Financial Management course. This course is designed to teach you the basics of household budgeting so you can avoid common money mistakes that may have contributed to your need to file bankruptcy. The financial management course completion certificate must be filed with the clerk of court before your case comes to an end – otherwise you will not be eligible for a discharge.

Ginsberg law has posted a list of approved credit counseling and financial management course vendors on our web site at

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