You have to take your first credit counseling course before your bankruptcy is filed. You can take your credit counseling course through any company you choose, but we will provide you with the information for a website that will give you a discount for being one of our clients. If you would like, we can also give you information for a version of the course that you can do over the phone.
After you have paid your bankruptcy fees in full, we will give you the information you need for the website you can use to take your credit counseling course. The course should take less than 2 hours. After you take the course, you will receive a certificate. Your certificate is good for 180 days. That is why we usually provide the information after you have paid in full (to help make sure the certificate will not expire before your bankruptcy case is filed).