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Serving the Western District of Kentucky
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Before you can file for bankruptcy under either Chapter 7 or Chapter 13, you must complete credit counseling with an agency approved by the United States Trustee's office. (To find an approved agency in your area, go to the Trustee's website, www.doj.gov/ust, and click "Credit Counseling and Debtor Education".) We normally refer our clients to Debt Education and Certification Foundation (DECAF) www.bkcert.com.
Counseling is required even if it's obvious that a repayment plan isn't feasible or you are facing debts that you find unfair and don't want to pay. You are required only to participate, not to go along with any repayment plan the agency proposes. However, if the agency does come up with a repayment plan, you will have to submit to the Court, along with a certificate showing that you completed the counseling before you can file for bankruptcy.
Marc Levy opened his practice in 1980. He brings you over 35 years of experience.
The purpose of this counseling is to give you an idea of whether you need to file for bankruptcy or whether an informal repayment plan would get you back on your economic feet.
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