Pre-Filing Bankruptcy

At Clarifi, we provide offer pre-filing bankruptcy counseling. We are approved to issue certificates evidencing completion of a pre-filing counseling session in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a provider's services.

Upon completion of the bankruptcy counseling session:

  • You will be issued a Pre-filing Counseling Certificate. This document proves the debtor received the required counseling under the law of 2005
  • You must file your counseling certificate within 180 days from the day counseling was completed and provide it to the court. If filed more than 180 days after counseling was completed, you must complete a new counseling session and obtain a new certificate.

Clients seeking Pre-filing Bankruptcy Counseling required under The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCP) will be charged a fee of $50. You may be eligible to have this fee waived if your income is less than 150% of the Poverty Income Guidelines.

Bankruptcy Pre-Filing
Single or Joint?