At the end of the session, you will be given a certificate that states that you did indeed undergo the mandatory credit counseling and the date on which your session was held. If you happen to be filing for a Chapter 13 bankruptcy, where there is a payment plan involved, a suggested repayment plan is also going to be attached. Your credit counseling session will tend to last for about an hour, and for the most part, they are conducted in person, though you may also be able to conduct yours over the phone or online.

What kind of fees might you expect to see when you are going into a mandatory credit counseling session. In most cases, though there is certainly a lot of variation depending on where you live, how the counseling was delivered and what services you require, an average session will cost you around fifty dollars. If you are in a place where you cannot afford to pay for the counseling, you are going to need to get a fee waiver from the counseling organization before the session starts. Be aware that a credit counseling service is required to provide free counseling to debtors who are unable to pay ftthe standard fee. Remember that it is illegal for the counselor to request extra money for the certificate and that the certificate must be delivered to you within twenty four hours.

Before you can go ahead and file for bankruptcy, you need to make sure that you do a pre filing session, but after you have filed, while the proceeding is going on, you are going to need to attend a post filing debtor education counseling session as well. In many cases, you can go to the same counselor or they will direct you to someone who can help you.