Before you see the attorney...

[B12]

Do you take the means test and credit course before you see the attorney or wait?

[lrprn]

Do you take the means test and credit course before you see the attorney or wait?

Unless you know you are going to file pro se (without a lawyer), other than for your own curiosity, there's no reason to do the Means Test before you interview 3-4 bk lawyers and then retain one. Your lawyer will do the Means Test for him/herself using the financial information you provide to ensure you get all the benefits of their knowledge about recent bk case law plus what is acceptable to the trustees in your district.

And as far as the required courses go, a few lawyers have been approved by the DOJ to provide the required pre-filing credit counseling and post-filing debtor education courses themselves to their filers. If you get one of these lawyers, you could do the courses as a part of your fee and not pay extra. Unless you think you will have to file in an emergency to stop a foreclosure or repossession, I'd wait to see which agencies your lawyer recommends.