Michael B. Sachs, Attorney

(760) 202-2700


San Diego | Riverside | Orange | Los Angeles

Credit Counseling

Before you can file for bankruptcy, you are required to obtain a certificate of completion of a credit counseling course offered by a U.S. Trustee-approved credit counselor. While in the vast majority of cases, good credit management skills have absolutely nothing to do with the circumstances requiring the filing of bankruptcy, Congress has nevertheless required the completion of the counseling before a bankruptcy can be filed, and a second class before a discharge can be entered.

The counseling normally takes 45–90 minutes, and can be conducted either by telephone or over the internet. The cost is about $36.00. We recommend that you not complete the counseling course until after you have spoken with an attorney. For telephone counseling, we recommend contacting Cricket Debt Counseling at (866) 719-0400. If you are unable to contact CDC, call Greenpath Credit Counseling at (800) 550–1961.

For internet counseling (which requires a very brief telephone discussion at the end), we again recommend Cricket Debt Counseling and Solid Start Financial Education Services, LLC.

Please be sure to tell the counselor that you have hired a bankruptcy attorney, that all paperwork has been completed, and that you just need to complete the course so that you can file.


Please note:

The information you obtain on this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.