Is bankruptcy counseling a requirement when filing for bankruptcy?

Yes. The federal government requires you to obtain a Pre-Filing Bankruptcy Credit Counseling certificate from an approved credit counseling agency, like Take Charge America, before you file for bankruptcy.

The federal government also requires you to complete a course in financial management prior to discharging any debts. You must obtain a Post-Filing Bankruptcy Debtor Education certificate from an approved credit counseling agency, like Take Charge America, after you file for bankruptcy.