<owl:Class xmlns="https://folio.openlegalstandard.org/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:v1="http://www.loc.gov/mads/rdf/v1#" xmlns:owl="http://www.w3.org/2002/07/owl#" xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:xsd="http://www.w3.org/2001/XMLSchema#" xmlns:folio="https://folio.openlegalstandard.org/" xmlns:rdfs="http://www.w3.org/2000/01/rdf-schema#" xmlns:skos="http://www.w3.org/2004/02/skos/core#" rdf:about="https://folio.openlegalstandard.org/RBQnybkYAVugHLSCVPFxy8s">
  <rdfs:subClassOf rdf:resource="https://folio.openlegalstandard.org/R8zijLH2GH0SxOhIdzeDOs3"/>
  <rdfs:label>Credit Counseling Waiver</rdfs:label>
  <skos:altLabel xml:lang="de-de">Verzicht auf Kreditberatung</skos:altLabel>
  <skos:altLabel xml:lang="en-gb">Credit Counselling Waiver</skos:altLabel>
  <skos:altLabel xml:lang="es-es">Exención de Asesoramiento de Crédito</skos:altLabel>
  <skos:altLabel xml:lang="es-mx">Exención de Asesoría de Crédito</skos:altLabel>
  <skos:altLabel xml:lang="fr-fr">Renonciation à la conseil en crédit</skos:altLabel>
  <skos:altLabel xml:lang="he-il">פטור מייעוץ אשראי</skos:altLabel>
  <skos:altLabel xml:lang="hi-in">क्रेडिट काउंसलिंग वेवर</skos:altLabel>
  <skos:altLabel xml:lang="ja-jp">クレジットカウンセリング免除</skos:altLabel>
  <skos:altLabel xml:lang="pt-br">Renúncia à orientação de crédito</skos:altLabel>
  <skos:altLabel xml:lang="zh-cn">信用咨询豁免</skos:altLabel>
  <skos:definition>A Credit Counseling Waiver is a legal document that allows an individual to waive the requirement of credit counseling before filing for bankruptcy or restructuring.</skos:definition>
</owl:Class>