# Bankruptcy Requires Two Courses – Time Them Right or Your Debts Stay

- Source: Money Crashers
- Published: 2026-10-20T14:30:00+00:00
- Category: Markets
- Original: https://www.moneycrashers.com/bankruptcy-credit-counseling/
- Canonical: https://groundlevelnews.com/story/bankruptcy-requires-two-courses-time-them-right-or-your-debts-stay-0b8492/

Both courses are short and cheap, so the part to get right is timing. Counseling taken 181 days before your filing date doesn’t count, and neither does a debtor education course taken before you file. Counseling comes from an agency... Source

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