The Law Offices of Paolo M. Newman, PLLC

Charlotte's Bankruptcy Attorney | 428 E 4th Street, Suite 404 Charlotte, NC 28202

Credit Counseling and Financial Management


Learning about credit counseling and financial management is an important step in the bankruptcy process. Under the 2005 Bankruptcy Reform Act, every person must complete a credit counseling course before filing bankruptcy. The Law Offices of Paolo M. Newman can help to make this an easy and educational process. The following are the steps for online completion:

1. Go to

2. Click on bankruptcy certifications

3. Select before bankruptcy

4. Select North Carolina then click submit

5. Click I agree at the bottom of the screen

6. Click on continue to counseling (you may view the worksheet before starting the credit counseling session. It is not required, but you may find it helpful.)

7. After selecting continue to counseling, click on start the counseling.

8. Click on start a new counseling session and follow the prompts to complete the session

When you complete the session, we will be able to access your certificates which we will file with the court at the same time that your bankruptcy is filed.

Once your case has been filed, you must complete a Financial Management Course. The following are the steps for this easy and educational online completion:

1. Go to 

2. Click on bankruptcy certifications 

3. Select after bankruptcy 

4. Select North Carolina

5. Read, then click I Agree

6. Select Start the Education 

7. Follow the steps which will take you through the test and to the end of the course.

If your case involves joint debtors, each debtor must complete the test. Your prompt completion is appreciated as this is required by law before receiving a discharge (forgiveness) of a debt in a bankruptcy proceeding.

While watching the video online, have a pen and paper ready for video number and code words. These will be needed as you complete the course.  You will also need your case number and district.

Note: The fee for each of these courses is included with your attorney fee.

Disclaimer: This site is for general informational purposes only and does not create an attorney-client relationship with you. The information contained at this site is not, nor is it intended to be, legal advice. Some of the information on this site may be or may become out of date due to changes in the law and other factors. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters, and email. However, contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

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