Pre-Bankruptcy Credit Counseling
Bankrutpcy Law requires that before someone can file a bankruptcy they must consult with a credit counsel who will help them decide if there are any viable alternatives.
The U.S. Trustee Program approves pre-bankruptcy credit counseling agencies and post-bankruptcy debtor education providers that meet qualifications set by Congress. See Credit Counseling & Debtor Education Information for more information, including lists of credit counseling agencies and debtor education providers approved by the U.S. Trustee.
Find an approved credit counseling agency by State.