Credit Counseling

The U.S. Trustee's listing of Approved Credit Counseling Agencies for the Northern District of Iowa is here. The Credit Counseling requirement under 11 USC § 109 must be met prior to filing the petition (unless petition is accompanied by a motion for extension for exigent circumstances or a declaration/certification of waiver). The debtor certification is included on the revised petition form, but the certificate of completion will be treated as a completely separate docket event. This docket event satisfies a requirement in the CM/ECF system that must be met before the auto discharge functionality may run. An order of dismissal shall enter in all cases in which the individual debtor either fails to submit the requisite certification and certificate of completion of credit counseling (as required by 11 U.S.C. § 109(h)(1)), or fails to submit an appropriate certification of exigent circumstances for the court's consideration. The Court has provided a procedural form (IANB 109) to allow for debtor(s) certification of eligibility for waiver and/or exigent circumstances.