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.