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Before you can file for bankruptcy under either Chapter 7 or Chapter 13, you must complete credit counseling with an agency approved by the United States Trustee's office.
The purpose of this counseling is to give you an idea of whether you really need to file for bankruptcy or whether some sort of repayment plan would be sufficient to get you back on your economic feet. During your credit counseling session, a certified credit counselor will help you explore your options. Your credit counselor will be a qualified financial advisor who will help you decide if bankruptcy is the right choice for you. In addition, he or she is required by law to offer you impartial advice. This means that he or she cannot lead you to make a specific financial decision.
Your session may be in the form of a phone call to a credit counseling agency. You may even be able to send a credit counseling agency your information through the internet. You will probably spend about one hour discussing your situation with the credit counselor. When you have completed your pre-bankruptcy credit counseling, you will receive a certificate after paying a fee between $35 and $50. You will then be eligible to file a Chapter 7 or Chapter 13 bankruptcy.
Below are some of the approved Credit Counseling Agencies for the Western District of Pennsylvania as of November, 2009:
