Skip to main content
Housing and Financial

Bankruptcy

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 brought about the most significant changes in bankruptcy law in over two decades.

Why do I have to go through credit counseling?

A major change in the new law was the requirement that those seeking bankruptcy protection attended credit counseling both before and after they file for bankruptcy. In fact, you will not receive your final discharge from the bankruptcy court until you submit proof of fulfilling this requirement. The reason for this new requirement is to help people determine whether or not they really need to file for bankruptcy or if another option, such as an informal repayment plan, would work a better result for you.

Click on the following link for a list of approved Credit Counselors for Minnesota.

Note that many of those listed provide service via telephone and Internet and are located throughout the country, but there are several listed within Minnesota that also provide counseling in person throughout the state.

Our Impact

  • Minnesotans Helped

    15,240

  • Clients with Stage IV

    53%

  • Value of Free Legal Care Provided

    $23,029,840

  • Clients Who Report CLC Was Able to Help Resolve Their Issue

    93%

Thank You to Our Generous Funders

  • Richard M. Schulze Family Foundation
  • Minnesota State Bar Foundation
    Minnesota State Bar Foundation
  • Fredrikson & Byron Foundation
    Fredrikson & Byron Foundation
  • Legal Services Advisory Committee
    Legal Services Advisory Committee
  • Hennepin County Bar Foundation
    Hennepin County Bar Foundation
  • Minnesota Oncology
  • Wilson Wolf
  • E&U
  • Wanta Thome
    Wanta Thome
  • Candid Platinum Seal 2024
    Candid Platinum Seal 2024
  • Fred B. & Katherine C. Andersen Foundation
    Fred B. & Katherine C. Andersen Foundation
  • Coril
  • Impact100
  • American Cancer Society
MENU CLOSE