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What does mandatory credit counseling involve?

There are several hoops you need to jump through before the court approves your bankruptcy. One is that you must attend classes where you learn about proper debt management. Virginia residents can take these classes online or in-person, but they are essential to get your finances back on the right track. 

Bankruptcy has helped numerous Virginia citizens overcome debt. However, it is much harder to go through bankruptcy than most people realize. There is one class you have to take before you file and another one to go through before a given deadline. You do not want to ignore these classes, or else it could jeopardize your bankruptcy proceedings. 

Credit counseling certificate

When you file for either Chapter 7 or Chapter 13 bankruptcy, you must receive a credit counseling certificate before going further. You must complete this course within 180 days before you file your case. The certificate is only valid for six months, so you need to get things started unless you want to take the class all over again. If you fail to file for bankruptcy before the deadline, then the court will deny your claim. 

To pass this class, you need your income, deductions, expenses, property, assets and all debts owed. Through this class, you learn whether you can feasibly handle your finances after going through bankruptcy. 

Personal financial management or debtor education certificate

You have to wait until after you file for bankruptcy to attend this class because you need your bankruptcy number. There are different deadlines, depending on which type of bankruptcy you file for, so make sure you know all your important dates. By taking this class, you learn valuable tools to help you rebuild your credit score after bankruptcy and learn how to budget properly. With these classes, you, hopefully, have all the tools you need to avoid going into debt again. 

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