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FIRST COURSE: Credit Counseling
Pre-Bankruptcy: BEFORE YOU MAY FILE FOR BANKRUPTCY
Bridging The Gaps Counseling offers a course in Credit Counseling, which is required within 180 days before filing for bankruptcy. Please select this course if you have not yet filed for bankruptcy.
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Pre-Bankruptcy First Course
SECOND COURSE: Debtor Education
Pre-Discharge: AFTER YOU HAVE FILED BUT BEFORE DISCHARGE
Graceful Financial Solutions offers a course in Debtor Education (also known as Personal Financial Management). This course is required after you have filed bankruptcy, and before your bankruptcy case may be discharged. Please select this course only if you have already filed for bankruptcy and have your bankruptcy case number assigned by the Court.

