The bankruptcy code requires that an individual seeking to file for bankruptcy relief must take a certain approve credit counseling course during the 180 days prior to the filing of the case. The course must be take from an approved nonprofit budget and credit counseling agency. The course may be taken in person, telephone, or on the internet.
The clerk of the bankruptcy courts maintain a list of the approved credit counseling agencies. The office of the U.S. Trustee approves these agencies pursuant to its criteria.