Do I have to do Credit Counseling if I want to file for Chapter 7?

Credit Counseling isn't just a good idea, its required before you can even file for Chapter 7 Bankruptcy. Don't worry about it, its really not a big deal and ideally, you will learn something useful from it. The class is relatively inexpensive and most places will even give you a discount if you also sign up to do your post-filing debtor education course with them too.  Most people chose to do them online for convenience sake.  If you live in the Chicago area, your bankrputcy is likely going to be filed in the Northern District of Illinois which is important to know because you must take the classes from a provider whom has been officially approved in your district. Your bankruptcy attorney will give you your available options.

Credit counseling is one of many steps that has to be done correctly during the course of your Chapter 7 case. If you are considering bankruptcy and live in the Chicago area, call O'Connor Cadiz Law to find out how we can help you navigate the process to get you from where you are now, to a fresh financial start. 

Carol O'Connor Cadiz
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Attorney & Owner at O'Connor Cadiz Law: Injury & Accidents, Disability Insurance.