Bankruptcy
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Bankruptcy

1.	Introduction to Bankruptcy
2.	Types of Bankruptcy
3.	Who can file
4.	The Process
5.	Credit Counseling
6.	Bankruptcy Reform
7.	Saving Your Home and Car
8.	Personal Property Exemptions and Other Assets
9.	Credit Card Debt
10.	Other Debt
11.	Married Couples
12.	Common Mistakes
13.	Alternatives to Bankruptcy

5. Pre-Bankruptcy Credit Counseling

Before you can file for bankruptcy, you must first consult a nonprofit credit counseling agency approved by the United States Trustee's Office. This consultation may show you if there are alternatives bankruptcy that would work for you.

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You are required to meet with a counseling agency the 6 months before you file your bankruptcy petition. The agency may work with you to create a repayment schedule for your debts. Even if a repayment plan cannot be created, you should receive a certificate from the agency confirming that you have participated in the counseling.

LegalZoom's network of bankruptcy attorneys will direct you to approved credit counseling agencies.

Before your bankruptcy can be completed, you are required to attend a personal finance management class, at the end of which you will receive another certificate.

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