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Certificate of completion for both credit counseling and debtor education are required but before the filer's debts can be discharged. Credit counseling (CC) must be obtained before an individual files for bankruptcy, subject to very limited exceptions.CUNA Financial Counseling Certification Program (FiCEP), CCUFC Designation and Case Study. Counsel members while improving financial results. This article provides an overview of the most highlyregarded credit counselor certifications available. Our certified credit counselors are ready to help you take control of your financial future through our innovative debt consolidation programs. InCharge's certified credit counselors may help you enroll in a debt management program, lowering your interest rates and monthly payment. Pre-Bankruptcy credit counseling certificates online. The pre-discharge debtor education course takes a minimum of 2 hours to complete. Use the checklist below to complete the requirements for the Pennsylvania Department of.