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This motion is applicable to a single individual. You need to take a credit counseling course before filing for bankruptcy and a debtor education course before completing the process.The court can waive the requirement if: no court-approved course providers are available in your area. Before filing bankruptcy, you must attend (or complete online) a credit counseling course. The fee for credit counseling and debtor education may be waived if you are below the poverty income guidelines. The bankruptcy counseling certificate is valid for up to 180 days from the completion of the counseling session. This is the credit counseling course that CC Advising provides. Before receiving a bankruptcy discharge, debtors are also required to complete an instructional course focused on personal financial management. The counseling session must be completed no more than 180 days prior to filing. Pre-Discharge Education.