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Note: Credit Counseling must be obtained prior to filing Bankruptcy and EXHIBIT D TO OFFICIAL FORM 1 MUST BE FILED WITH THE BANKRUPTCY PETITION by each individual debtor. In order to be excepted from filing the certificate of credit counseling, a debtor must either (1) submit a different certificate describing exigent circumstances that merit waiver of the requirement and also states the debtor requested credit counseling but was unable to obtain credit counseling during the 5-day period before filing; OR (2) request, in writing, and provide notice that the debtor is unable to obtain credit counseling because of incapacity, disability or active military duty in a military combat zone.
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