Credit Counseling
Bankruptcy Credit Counseling is a brief, one hour course that you must take, on the Internet, before you file bankruptcy. If you don't complete a bankruptcy credit counseling course before you file bankruptcy in San Diego, your case will be dismissed. (PLEASE NOTE: There are 2 courses you take when you file bankruptcy: (1) Credit Counseling, which you take before you file bankruptcy; and (2) Debtor Education, which you take immediately after your bankruptcy is filed.)
How To Complete Bankruptcy Credit Counseling in San Diego
To complete bankruptcy credit counseling in San Diego, be sure to take a credit counseling class that is for people filing bankruptcy in San Diego County. One you complete your credit counseling course, you will receive a certificate of completion that you must provide to your bankruptcy attorney, who will file it with the court once your case is filed. Here is how to complete bankruptcy credit counseling in San Diego County:
1. Select a Course Provider. Go to the list of approved Credit Counseling agencies, select California, scroll down to the providers for "Southern District of California" and select a provider. If you need to take your course in a foreign language, then when you go to the list of approved Credit Counseling agencies, instead of selecting California go down to the next menu and select your foreign language, then select California.
2. Complete Your Course. Go to the website of the provider you selected and complete a pre-bankruptcy credit counseling course. The course is usually quite simple to complete, and generally takes an hour or less to complete.
3. Obtain Your Certificate. Be sure to obtain your Certificate of Completion of Credit Counseling AND give your Certificate of Completion to your attorney.
Take Course Right Away!
You must complete your Credit Counseling class within 180 days of the date that your bankruptcy is filed. You should complete your Credit Counseling course immediately to prevent any delay with the filing of your bankruptcy!
Be Sure to Choose a San Diego Class
If you are filing bankruptcy in San Diego, be sure to choose a bankruptcy credit counseling class for San Diego. The San Diego bankruptcy court is called the United States Bankruptcy Court, Southern District of California. (Note: If you live outside San Diego County, you should consult with a bankruptcy lawyer in your area.)
How Much Does it Cost?
Expect to pay $25-$30 depending on your bankruptcy Credit Counseling course provider, or up to $50 if taking your course in a foreign language.
Help Me Select a Provider
The government-approved Credit Counseling courses are all controlled by third parties and Bankruptcy Legal Center is unable to endorse or recommend any particular provider. One thing that we absolutely recommend is that you select a provider that will let you complete the entire course, and obtain a certificate, all over the internet. Make sure that the course provider you use does not require a follow-up telephone interview.
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