Credit Counseling: Oklahoma Chapter 7 Bankruptcy Lawyers 

What is Credit Counseling?
There are two courses that are required of someone who is filing a Chapter 7 bankruptcy. The first is the Pre-Petition Credit Counseling course. This is a mandatory course that you must take prior to filing.  It does cost money.  Only an agency authorized by the Office of the United States Trustee can issue you a valid credit counseling certificate. Your attorney can give you the contact information for you to either do the course online or in person. At the end of the course you will receive a Credit Counseling Certificate or one will be sent to your attorney. This certificate will be filed along with your Chapter 7 petition. After you file, and typically after the 341 meeting of the creditors, you will take a second course. This is called Post-Petition Debtor Education/Financial Management. A certificate will also be issued for this course and filed by your attorney.