You have to take the financial management course before you file. The certificate is good for 180 days. After you file, you have to take the debtor education course. You have to file that certificate with the court depending on whether you file Chapter 7 or Chapter 13. It sounds like you do not have a BK lawyer helping you. Big mistake. Statistics from the US Trustee's Office show almost all non-lawyer 13's are dismissed. The success rate for non-lawyer 7's is better. Best advice: BK is not a DIY project consisting of checking boxes on forms you find on-line. Find/consult/hire an Avvo BK lawyer by using the "Find a Lawyer" feature. Make a list consisting of several BK lawyers having many 5 star reviews from satisfied clients. If you don't get a prompt call back, go on to the next one on your list. Some of us offer a free consultation by phone or in person. Take us up on it. If this answer was helpful, please leave your feedback on the Avvo website as “best answer or helpful”. Good luck to you.
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The certificate corse does NOT need to be completed 60-days in advance of filing for bankruptcy protection and relief. The course must be taken before your bankruptcy petition is filed. Simply be sure to give yourself enough time for the certificate course provider to generate your certificate and transmitting to your attorney (or to you, if filing your case on your own promise) for filing with your bankruptcy case.
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The class must be taken within 6 months of the date you file, so if you plan on filing 10/31/18, you can take it now. It must be completed before you file, so sooner is better than later, given your timeline.
Don't forget after you file you have to take the financial management course to obtain your discharge.
This response is not intended as legal advice. You may need to consult your own attorney to obtain a more specific answer.
Before you file. It's not when you start the course; it's when you finish it that counts. You can finish 10 minutes before filing the petition and you'd be fine.
The first online credit counseling course certificate is good for 180 days or 6 months. You file your certificate with your bankruptcy case. I hope this answers your question. I do suggest having a bankruptcy attorney help you since bankruptcy can get complicated rather quickly.
Please note: I am a licensed attorney in California. This response is intended only as general commentary. This response is not legal advice and does not create an attorney client relationship.
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