Mission Viejo, California Bankruptcy Credit Counseling call (888) 505-2369 free counseling to enroll in pre-bankruptcy consumer counseling on-line or by phone, bankruptcy certificate, and pre-filing class. https://youtu.be/bOXs8j_m7hA You must file a certificate of credit counseling completion when you file for bankruptcy, and evidence of completion of debtor education after you file for bankruptcy — but before your debts are discharged. https://www.youtube.com/channel/UC-SW_X6Pii4CiAFSPDgEJwA/about Only credit counseling organizations and debtor education course providers that have been approved by the U.S. Trustee Program may issue these certificates. To protect against fraud, the certificates are numbered, and produced through a central automated system. A pre-bankruptcy counseling session with an approved credit counseling organization should include an evaluation of your personal financial situation, a discussion of alternatives to bankruptcy, and a personal budget plan.