how far in advance do you do pre bk counseling in NJ?
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I would think it is the same everywhere. Up to 180 days prior here in MN. I'm just on the border so we are trying to rush mine through but, even if I do go over, the organization that did the counseling with me will only charge me 15 to get another - they'd have to semi-redo the counseling and I say that because nothing has changed in my life.
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