Law Office of Stephen K. Haynes
With few if any exceptions, individuals must complete a credit counseling program with an approved provider before they can file bankruptcy. Counseling is available in person, by telephone, and via the internet and in a variety of languages. If both spuses 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.
Previous clients have used the agency below for the pre-filing credit counseling and post-filing debtor education. The firm has an account with the agency allowing for certificates to be transmitted to the attorney by e-mail and to allow for easier payment of counseling fees.
For more information, consult the brochure published by the Federal Trade Commission and the U.S. Trustee program regarding credit counseling and debtor education:
Many organizations provide credit counseling. An up to date list of approved credit counselors can be found at:
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.”