What is the step-by-step process for completing the mandatory pre-bankruptcy credit counseling course in California?

To complete the mandatory pre-bankruptcy credit counseling, you must find a U.S. Trustee-approved agency, complete their counseling session, and obtain a certificate to file with your bankruptcy petition. Here is the step-by-step process: Step 1: Find an Approved Counseling Agency You must choose an agency approved by the U.S. Trustee Program. Go to the U.S. Department of Justice website and use their search tool to find a list of agencies approved for the judicial district in California where you plan to file. The court will only accept certificates from agencies on this official list. Step 2: Gather Your Financial Information Before you register, collect all necessary financial information. This includes your sources of income, a list of your average monthly living expenses, a list of all your creditors, and the approximate amount you owe to each one. Step 3: Register and Complete the Course Contact your chosen agency to register. You can typically complete the course online, over the phone, or in person. The session usually takes 60 to 90 minutes. During the course, a counselor will review your financial situation, help you create a budget, and discuss alternatives to bankruptcy. Step 4: Pay the Fee or Request a Waiver The course fee is usually between $15 and $50. If you cannot afford the fee, you can request a waiver. Agencies are required to provide the course for free or at a reduced cost if your household income is less than 150% of the federal poverty level. Step 5: Receive and File Your Certificate Upon completion, the agency will issue you a certificate. This certificate is proof that you have met the counseling requirement. You or your attorney must file this certificate with the bankruptcy court when you file your bankruptcy petition. Important Details and Nuances The certificate of completion is only valid for 180 days. You must file your bankruptcy case within this 180-day period. If you wait longer, you will have to take the course and pay the fee again. Confirm with the agency whether they will file the certificate directly with the court for you or if they will provide it to you to file. Warnings and Limitations Do not use a credit counseling agency that is not on the official U.S. Trustee list. A certificate from an unapproved provider will be rejected by the court, delaying your case and costing you more money. This counseling is a mandatory prerequisite; you cannot file for Chapter 7 or Chapter 13 bankruptcy without it. This is general information and does not constitute legal advice. For complex situations, or to ensure you are meeting all legal requirements, you should consult with a qualified California bankruptcy attorney.