Texas Bankruptcy Credit Counseling/Debtor Education (Required)

Pre-filing Bankruptcy Credit Counseling Briefing

To file bankruptcy in Texas, the law requires that you complete a U.S. Trustee-approved credit counseling briefing. A certificate verifying your completion of this course must be filed with your bankruptcy petition. The credit counseling courses are generally a question and answer sessions with a non-profit credit counseling agency. The purpose of the briefing is to educate you on financial management, budgeting, and alternatives to bankruptcy. The briefing usually takes 45-90 minutes to complete and can be done online, via telephone, or in person. www.StartFreshToday.com offers the required Texas bankruptcy credit counseling briefing through an interactive online demo at a competitive price. A list of approved Texas credit counseling providers can be found at the Department of Justice Web site.

Pre-discharge Bankruptcy Debtor Education Briefing

If you’ve already filed bankruptcy in Texas, you must complete a U.S Trustee-approved debtor education briefing. A certificate verifying completion of an approved course must be filed with the bankruptcy court for your case to be eligible to be discharged. In a Chapter 7 bankruptcy, you must complete your post-petition financial management briefing within 60 days after your 341 Meeting. In a Chapter 13 bankruptcy, you must complete your post-petition financial management briefing before the completion of your repayment plan. The purpose of the briefing is to educate you on managing your personal finances after bankruptcy. The briefing usually takes 2 hours and can be done online, via telephone, or in person. www.StartFreshToday.com offers the required Texas bankruptcy financial management briefing through an interactive online demo at a competitive price. A list of approved Texas debtor education providers can be found at the Department of Justice Web site.