Now that you have decided to file for bankruptcy in New Jersey, there are certain requirements that must be met before you can receive a discharge. One of these requirements is credit counseling. This may sound complicated, but, fortunately, the procss can be made easy with help from a bankruptcy law firm.
Credit counseling is in two parts. The first part must be completed prior to filing for bankruptcy. The credit counseling course informs potential debtors about all of the debt relief options from which an individual can choose. The certificate received after completing the course is filed with the court.