Should I get the first mandatory credit counseling done right away?

No. The first counseling needed to file bankruptcy is only good for a relatively short period of time. If it is done too quickly, and the filing of your bankruptcy is delayed which it can be for a variety of reasons, the counseling may become stale requiring it to be done again- at an additional cost. Besides, a person can usually obtain the necessary counseling in a couple of days, often by telephone or internet, once the bankruptcy is ready to be filed.

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