What is the credit counseling obligation for someone considering filing bankruptcy in Arizona?

Basically the Bankruptcy Code requires that debtors do credit counseling in order to qualify for bankruptcy. There is a pre-petition and a post-petition Credit Counseling Program that you have to complete. There’s a list of approved companies that do it and there is a fee associated with it.

Typically it is very easy, and you can do it over the phone or over the Internet. It is just a little credit counseling to teach you some of the basics about your finances and bankruptcy. When you complete the pre-petition course you will get a certificate that you must attach to the bankruptcy petition before filing, unless there is an emergency, and credit counseling was requested but not available.

Best bet is to finish the course before you file for BK. So the first part that you do (the pre-petition) gets filed with your petition. The second part you have to do within 45 days of your 341 creditors hearing.

It is the pre-discharge crediting counseling. It works just like the first one. You ... more.

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