Credit Counseling Certificate + Exhibit D - At the same time that a bankruptcy petition is filed, an individual must fill out a document titled "Exhibit D" and file Exhibit D and the Certificate of Completion with the court. Many judges will dismiss a bankruptcy case if an individual does not strictly comply with this rule. There are very few situations in which a bankruptcy case may go forward without a credit counseling class being completed. To avoid having a bankruptcy case dismissed, it is strongly recommended that an individual consult a bankruptcy attorney to understand the credit counseling requirements. Important rules are Bankruptcy Code Sections 109(h) and 521(b) and Federal Rules of Bankruptcy Procedure Rule 1007.
Before Filing Bankruptcy