What to Expect from Credit Counseling for Bankruptcy in Arizona

Many people decide to file for bankruptcy because it will mean a fresh financial start for them and their families. While it is true that bankruptcy is an effective way to eliminate your present debts, however, it needs to be understood that bankruptcy does not guarantee financial security in the future. Only the choices you make about how you spend your money in the future can determine whether or not you can look forward to financial success. Recent laws have been enacted that require those filing for bankruptcy to take proactive steps that will hopefully help them make smart financial decisions in the future.

Of course, not everyone files for bankruptcy in Arizona because of reckless spending habits. Some people need to file for bankruptcy due to extreme circumstances, such as a family crisis or serious illness. No matter the case, however, Arizona, like all other states, requires that you complete a credit counseling course before you are able to even file for bankruptcy. In addition, once you have filed, you must also complete a debtor education course before your debts will be discharged.

So what can you expect from these courses? Read on for the answers to some of the most common questions about credit counseling classes for bankruptcy in Arizona.

How do I find and enroll in an acceptable course?

Your attorney is the best source available to you when it comes to finding courses that the state will accept. Many Arizona bankruptcy attorneys, in fact, work with specific firms so often that they are able to give discounts on class fees, or simply include the class fee as part of your attorney fee. Also, these course providers are often able to work with your schedule, and are able to provide the counseling in person, over the telephone, or even online.

When do I have to take the credit counseling courses?

As mentioned above, the initial credit counseling must take place before you can file for bankruptcy in Arizona. The second course – the debtor education or financial management course – must be taken within 2 months of your filing.

How long will it take to complete the courses?

The first course only requires one session that is usually about 20-45 minutes long. The second, post-filing course is also only one session, but it is a little longer, usually lasting over an hour.

What will I learn in these courses?

The credit counseling session (the class you must complete before you file) is usually an overview of your current situation. You will review your debts with a credit counselor, who will be sure that you are aware of possible alternatives to bankruptcy. You will also receive tips and advice based on your specific situation.

The second course is meant to be a proactive step towards making sure that you do not have to go through bankruptcy again. This course will introduce you to financial management techniques that will hopefully help you stay on top of your finances in the future.

Do I have to take the courses?

The short answer to this question is yes. Certain individuals, including those actively serving in the military, or those with severe mental impairments, may have the requirement waived. However, you should definitely count on taking the courses. It will make things much easier for you and for your attorney, and will improve your chances of your Arizona bankruptcy case being approved quickly.

When each course is completed, you (or your attorney) will receive a certificate indicating such. Your attorney can take care of making sure that these certificates are filed or submitted on time and to the correct place.


Bankruptcy can be your best opportunity for a fresh start. Try to see the credit counseling and financial management courses not as an obligation, but as tools that can benefit you and help you avoid future financial hardship. Take them seriously, willingly, and with an open mind!