Before you file for Personal Bankruptcy
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires people who plan to file for bankruptcy protection must receive credit counseling from a government approved organization within six months before they file. They also must complete a debtorBankruptcy Terminology
debtor: A person who has filed a petition for relief under the bankruptcy laws. education course to have their debts discharged. The Department of Justice's U.S. TrusteeBankruptcy Terminology
trustee: The representative of the bankruptcy estate who exercises statutory powers, principally for the benefit of the unsecured creditors, under the general supervision of the court and the direct supervision of the United States trustee or Bankruptcy Administrator.
Program approves organizations who can provide the mandatory credit counseling and debtorBankruptcy Terminology
debtor: A person who has filed a petition for relief under the bankruptcy laws. education. Please click on this link Credit Counseling Services to access a list of approved credit counselors for the Northern District of Texas.