Get Credit Counseling

Produced by Attorney Mariah Jennings-Rampsi for MassLegalHelp
Created October 2016

You must get credit counseling before you can file for bankruptcy. You can take a bankruptcy counseling program from any approved company as long as they give you a Bankruptcy Counseling Certificate. The appointment is normally 1 to 2 hours long. 

The Department of Justice lists all the approved credit counseling companies in Massachusetts on their website.
You can do the session:

  • in person,
  • online, or
  • over the phone.

See the Federal Trade Commission’s suggestions for choosing a counselor.


Your counseling certificate is only good for 180 days!  Do you think you will have your bankruptcy filed within 180 days?  If it will take you longer, wait to do your counseling.

Filing without a lawyer

  • Bankruptcy is complicated. Filing without a lawyer is risky.
  • You can lose property and money. You can go to jail if you do not tell the truth.

Ask a Law Librarian

If it's
9am and 4pm