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SUMMARY: As of 2005 the United States Trustees have procedures for approval of non-profit budget and credit counseling agencies and for approval of providers of a personal financial management instruction course under the Bankruptcy Code. Individual debtors are required to consult with the approved agencies to receive a briefing on the opportunities for a credit counseling and budget analysis, within 180 days before filing for bankruptcy relief (11 U.S.C. 109(h)(1)), and to consult with approved providers of a personal financial management instructional course, after filing for relief, before receiving a discharge of their debts (U.S.C. 727 (a)(11)). The only companies that may offer these services MUST be approved by the United States Trustees.
- List of Approved Credit Counseling Agencies
- Frequently Asked Questions (CC)
- “Facts for Consumers”
- “Before You File” [PDF – 86 KB]
- List of Approved Debtor Education Providers
- Frequently Asked Questions (DE)