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If I file for bankruptcy, do I have to take a credit counseling course?
Under the new bankruptcy laws, all Debtors must complete a credit counseling course within 180 days before a case is filed with the Court. The credit counseling course can be taken on-line by computer or over the phone. On an average, it takes approximately 60-90 minutes. When a you come into our office, we will give you a packet with the names of the credit counseling agencies that are approved in North Carolina. Once the course is completed, a credit counseling certificate is faxed to our office and is eventually filed with the Court.
This information applies to All Counties in North Carolina.