Alaska Credit Counseling & Debtor Education

Here you will learn how to find approved providers of Alaska credit counseling and debtor education.

Pursuant to the new bankruptcy laws enacted in 2005, individuals who file Chapter 7 (with limited exceptions) must:

1. take a credit counseling course from an approved Alaska credit counseling provider within six months before filing bankruptcy; and

2. complete a debtor education course from an approved Alaska debtor education agency prior to receiving a bankruptcy discharge.

There is a small fee ($50.00 to $100.00) for both credit counseling and debtor education, however, this fee may be waived depending on a person's ability to pay. The fee waiver must be requested from the agency prior to receipt of services.

Both required courses can be taken one of three ways - in person, online, or by telephone. The pre-bankruptcy credit counseling course lasts approximately an hour. The pre-discharge debtor education course is approximately two hours long.

For more information regarding either course, see our article about the Chapter 7 bankruptcy process.