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CSD 1025 ; Revision Date:. A: There is no deadline for new applicants.May I complete my debtor education and credit counseling requirements in the same session? A credit counseling certificate is also known as a bankruptcy certificate. Before filing bankruptcy, you must attend (or complete online) a credit counseling course. After filing the case, you must complete another course—debtor education. Typically, their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. A bankruptcy case normally begins when the debtor files a petition. U.S. Trustee approved non-profit organization providing the pre-filing bankruptcy credit counseling course for bankruptcy filers. U.S. Trustee approved non-profit organization providing the pre-filing bankruptcy credit counseling course for bankruptcy filers.