First bankruptcy course
Pre-Filing Bankruptcy Credit Counseling
Complete this approved credit counseling course before filing your bankruptcy petition. Register below to review your financial situation and receive the first bankruptcy certificate after all course requirements are met.
Register for the pre-filing course
Complete the form and select Sign Up Now to begin. Your credit counseling must be completed before you file your bankruptcy petition.
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What is pre-filing bankruptcy credit counseling?
Pre-filing credit counseling is the first education requirement for most individual bankruptcy filers. It reviews your income, expenses, debts, budget, and possible alternatives before a bankruptcy petition is submitted. The course does not tell you whether to file bankruptcy and does not replace advice from a qualified attorney.
Federal law generally requires the counseling to be completed through an approved agency during the 180-day period before filing. Limited exceptions may apply, but those are legal and court questions.
Before you begin
A few minutes of preparation can make registration and counseling easier.
Gather your financial information
Have your best current information about household income, regular expenses, debts, and monthly payments available.
Confirm your filing stage
This course is for people who have not filed their bankruptcy petition. If the case is already filed, use the second course.
Leave time for the certificate
Money Fit generally issues the certificate within one business day after all counseling requirements are completed.
Frequently asked questions
Is this the first bankruptcy course?
Yes. Pre-filing credit counseling is generally the first required bankruptcy course. Complete it before submitting your bankruptcy petition. Post-filing debtor education is a separate course completed after filing.
How much does the pre-filing course cost?
The Money Fit pre-filing course costs $50 per household. If you cannot afford the fee, ask about the fee waiver or reduction policy before beginning.
When must I complete pre-filing credit counseling?
Most individual filers must complete approved credit counseling during the 180-day period before filing a bankruptcy petition. Limited exceptions may apply under federal law.
Can joint filers complete counseling together?
Joint filers may participate in the same counseling session, but each person must receive personalized counseling and a separate certificate.
When will I receive the first bankruptcy certificate?
Money Fit generally issues the pre-filing certificate within one business day after all counseling requirements are completed. Allow enough time before filing and follow up if the certificate does not arrive as expected.
Does the course tell me whether I should file bankruptcy?
No. The course reviews your financial situation and possible alternatives, but Money Fit does not provide legal advice or decide whether bankruptcy is right for you. Consult a qualified bankruptcy attorney for legal guidance.
