Before filing for personal bankruptcy, it is necessary to obtain a certificate from completing a credit counseling course from an authorized provider. This course can be taken prior to filing. More information is available at the provided link.

1. Among the pre-filing needs of
personal bankruptcy involves
receiving a certificate
associated with successfully
finishing a credit score
counseling course having a
government authorized
counseling business. You may
take up the actual credit
guidance certificate class just
before filing.
For more information click here:
http://www.financeaddition.com/category/bankruptcy