Yes, as part of the bankruptcy process, you are required to complete a credit counseling course. Before you can file for bankruptcy, you must attend a two-hour pre-filing briefing with an approved credit counselor. During this session, the credit counselor will assess your current financial situation and provide you with information about potential alternatives to bankruptcy. This step is designed to help you determine whether bankruptcy is indeed the most appropriate solution for your debt problems.
The credit counseling requirement serves as a valuable opportunity to explore your financial options and make an informed decision regarding bankruptcy. Once you have completed this counseling session, if it is determined that filing for bankruptcy is the best course of action, you will proceed with your bankruptcy petition. After filing, you will also be required to attend a final credit counseling meeting to fulfill the program's requirements. Your bankruptcy case will continue as you work through the necessary steps to address your financial situation.