Credit Counseling & Debtor Education Information

Credit counseling (CC) must be obtained before an individual files for bankruptcy, subject to very limited exceptions. If the CC course is not completed before filing, the case could be dismissed.

Debtor education (DE) is a separate course that must be taken after an individual files for bankruptcy. With limited exceptions, debtors must complete the DE course to receive a bankruptcy discharge.

Links to the lists of CC agencies and DE providers approved by the United States Trustee Program to provide these bankruptcy-related services are below.