Completing Your Credit Counseling Courses

Posted by Wesley Scott on March 27, 2020 at 9:19 PM
Wesley Scott

No one is going to deny that there is a lot of complicated red tape that those who are filing for bankruptcy have to navigate. And, in addition to that red tape, a whole lot of hoops to jump through as well!

Working with Kain & Scott to file your Chapter 7 or Chapter 13 personal bankruptcy will make those hurdles exponentially easier! We do all the paperwork for you. We pull your credit reports and work with the bankruptcy trustees and do all the nitty-gritty legal work so that you do not have to worry about a thing during this stressful time in your life.

There are somethings that, though we would like to, we can’t quite do for you. Two of those things are court mandated credit counseling courses that must be completed by everyone who is filing for bankruptcy. Unfortunately, we can’t get you out of these!

Many clients stress about completing these mandatory courses. They believe that they are tests or punishments. They aren’t! Before anyone worries themselves too much about these courses, I would like to allay their fears.

All those who are filing for bankruptcy are required to complete two bankruptcy credit counseling courses. One is completed before filing your bankruptcy and the other is completed after your case is filed.

Both are informational exercises! While there are fill-in-the-blanks and questions to be answered, answering right or wrong does not affect your bankruptcy or your ability to file for bankruptcy. These courses are to make sure that you are informed of all of your options and to ensure that you understand the bankruptcy process.  

The first course is pre-filing. It lists all of your options when you are in a situation of overwhelming debt and describes them to make sure that bankruptcy is the best option for you. The second course is a financial management course to help you navigate the financial world post-bankruptcy.


Start the bankruptcy process today by requesting a FREE, NO-OBLIGATION consultation with MN’s LARGEST bankruptcy law firm at!