Define the question before choosing an answer
Use this guide to organize Approved Agencies, Timing, Certificate Records and Dismissal Risk. Start with the controlling record and date, then connect the issue to the bankruptcy chapter, property, debts, and local procedure that may change the answer.
Evidence file for Credit Counseling Before Filing Bankruptcy
Approved Agencies
The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it.
Timing
The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it.
Certificate Records
The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it.
Dismissal Risk
The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it.
Facts that shape the review
- Use the current official form, approved provider, local instruction, and docket. Completion and proof of completion are separate questions.
Issue log
| Issue | Evidence to preserve | Open question |
|---|---|---|
| Approved Agencies | The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it. | |
| Timing | The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it. | |
| Certificate Records | The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it. | |
| And Dismissal Risk | The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it. |
Questions that can change the next step
| Question | Your facts |
|---|---|
| What exact outcome is needed? | |
| What date changes the next step? | |
| Which fact remains unverified? |
Timing caution
If a sale, hearing, deduction, seizure, shutoff, or response deadline is near, use qualified local help rather than waiting for general online information.
Verify with current sources
U.S. Courts Bankruptcy Basics · Official Bankruptcy Forms · Current Means Testing Data · Official source directory