The Next Step
Once you've completed the online education program and exam, it's time to move on to the next step — a counseling session.
Your session will be conducted over the phone and will take about 45 minutes. If you live in the San Francisco Bay Area, you may also choose to have a counseling session in person. During the session your counselor will review your income, expenses, debts, and financial goals and work with you to develop a plan of action to achieve your goals. Your counselor can discuss bankruptcy with you during your session, but is not a lawyer and will not give legal advise.
After the session, you will be provided a certificate of completion. This certificate will be required if you choose to go forward with filing banckruptcy.
To take the next step, please complete the online worksheet. When you have completed this step, please call 800-777-7526, press option 7 to speak with a bankruptcy counselor to conduct your pre-filing counseling session over the phone. Our hours are Monday - Thursday from 5:00 am to 8:00 pm and Friday 5:00 am to 5:00 pm and Saturday from 8:00 am to 5:00 pm (PST).