As of October 17, 2005, in order to be eligible to file for bankruptcy, individual debtors must receive credit counseling within 180 days prior to filing a bankruptcy petition. Specifically, the law requires the debtor to receive, from an approved agency, a briefing to outline the opportunities available for credit counseling and creation of a financial management plan. This may be done in an individual or group session and may be completed in person, on the phone, or even via the Internet. The Court facilitates access to credit counseling by the public use of a telephone or computer to obtain such counseling. A timely certificate of credit counseling is required.
At the end of the case, completion of a Financial Management Class is required to get a discharge.