Before you can file, either a Chapter 7 or a Chapter 13, you must take a Credit Counseling Class. Access Debtor Wise Here or call 1-800-788-7857.
Before you can be discharged from filing, you must take a Debtor Education Class . Access Dave Ramsey’s Debtor Education Class Here or call 1-800-788-7857.
You will need my name in order to have them send me your certificate so it can be filed. That is Darian B. Andersen.
You must pay the cost of such classes. They are offered by many companies. See the list attached for choices. I am biased in favor of the courses offered by Dave Ramsey because I believe he does a better job of educating us in how to avoid debt and stay out of debt trouble in the future.
Part of my focus on bankrupty is avoiding if possible, but if necessary to file anyway, then making the most of the experience and learning how to get on a solid track in the future.