New York Motion For Waiver of Credit Counseling Requirement Under Section 109(h)(4) is a legal document that can be filed with the court in order to waive the credit counseling requirement for those seeking debt relief in the state of New York. This document is often used by those filing for bankruptcy in New York, as it is a requirement under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. It is also used by those who are seeking to modify their mortgage payments through a loan modification program. This motion allows for an individual to waive the requirement that they participate in credit counseling, as long as they can demonstrate that they have received professional advice from a qualified credit counseling agency prior to filing for bankruptcy or loan modification. There are two types of New York Motion For Waiver of Credit Counseling Requirement Under Section 109(h)(4): an Individual Waiver and a Joint Waiver. An Individual Waiver is for an individual filing for bankruptcy or loan modification alone, while a Joint Waiver is for those filing jointly with another person.