Before a debtor can file Chapter 7 bankruptcy or Chapter 13 bankruptcy in Georgia, he or she must complete a pre-bankruptcy credit counseling course as required by 11 U.S.C. Section 109(h) of the bankruptcy code.  However, under certain circumstances, a bankruptcy judge can enter an order waiving such a requirement or extending time for the debtor to complete the course in order to avoid the dismissal of the bankruptcy case for failure to complete the credit counseling course.  It is always best practice for debtors to complete the required counseling course appropriately in preparation for filing bankruptcy.  The course takes approximately one hour to complete.

A second credit counseling course is required before receiving a discharge for either Chapter 7 bankruptcy or Chapter 13 bankruptcy.  The credit counseling courses are designed to assist with understanding all your debts, budgeting, and managing your money.  The second course takes a minimum of two hours to complete.

Elder Law Firm can assist you in completing the online counseling session in our offices, if necessary.

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