Credit Counseling - Before Filing Bankruptcy
With few if any exceptions, individuals must complete a credit counseling program with an approved provider before they can file bankruptcy. Counseling is available by telephone and via the internet and in a variety of languages. If both spouses will be filing a joint bankruptcy petition, both spouses must complete the credit counseling program.

There is nominal charge for credit counseling (usually between $20 and $40). The charge can be waived for those with low incomes.
 
Many organizations provide credit counseling.  Two of them are:
 
 
Start Fresh Today
An up to date list of approved credit counselors can be found at the web site listed below. You will need to scroll all the way down to the bottom of the web page for the counselors listed under “Southern District of California."
UST-approved credit counselors list
Law Office of
Stephen K. Haynes
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