Credit counseling

The "individual or group briefing" from an approved nonprofit budget and credit counseling agency that individual debtors must attend prior to filing under any chapter of the Bankruptcy Code. There are exceptions to this requirement for certain categories of debtors, exigent circumstances, or if the U.S. Trustee or Bankruptcy Administrator have determined that there are insufficient approved credit counseling agencies available to provide the necessary counseling. These agencies are approved by the U.S. trustee or the bankruptcy administrator.  See "Financial management”.