Bankruptcy timeline

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Debt Management 2006

	Bad credit
	When your credit rating is in a deep hole it's tough to get a good foothold.

A bankruptcy timeline

What happens before, during and after bankruptcy

day

Personal financial management course

•	The personal financial management course can occur as soon as you file your papers.
	›	The cost is estimated at $50, but the fee can be waived depending on the debtor's circumstances.
	›	Can be delivered by phone, Internet or in person.
	›	Can take as long as 90 minutes.
		»	Certificate is awarded upon completion. The debtor may have up until 45 days to provide this to the court.

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