Effective July 1, 2009

Counseling and Education Combination Discounts

Counseling and Education – By Telephone (save $10.00)

The regular fee for a telephone pre-petition counseling session is $55.00. We offer a reduced rate for clients who return to credit.org for their pre-discharge debtor education requirement if bankruptcy is what they elect to choose. The fee for returning clients for debtor education by the telephone is $45.00 plus $4.00 shipping and handling to provide you with the materials you will need to complete the course. This is a savings of $10.00 for telephone counseling and debtor education off of our normal fees. These fees are the same for either a single filer or joint filers, if they attend the same session.

Counseling and Education – By Internet (save $14.00)

The regular fee for an Internet pre-petition counseling session is $45.00. We offer a reduced rate for clients who return to credit.org for their pre- discharge debtor education requirement if bankruptcy is what they elect to choose. The fee for returning clients for debtor education by the Internet is $35.00. This is a savings of $14.00 for Internet counseling and debtor education off of our normal fees! These fees are the same for either a single filer or joint filers.

Bankruptcy Counseling

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Pre-petition Bankruptcy Counseling – By Telephone
The fee for a telephone session with one of our certified credit counselors is $55.00. The fee is good for either a single filer or joint filers if both attend the same session.
Pre-petition Bankruptcy Counseling – By Internet
The fee for an Internet session is $45.00. This fee is the same for either a single filer or joint filers if both attend the same session.
Pre-petition Bankruptcy Counseling – In Person
The fee for an in person session is $55.00. This fee is the same for either a single filer or joint filers if both attend the same session.

Bankruptcy Education

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Pre-discharge Debtor Education – By Telephone
The fee for a telephone session is $55.00 + $4.00 S/H. This fee is the same for either a single filer or joint filers if both attend the same session.
Pre-discharge Debtor Education – By Internet
The fee for an Internet session is $55.00. This fee is the same for either a single filer or joint filers if both attend the same session.
Pre-discharge Debtor Education – In Person
The fee for an in Person session is $59.00. This fee is the same for either a single filer or joint filers if both attend the same session.
Fee Waiver Policy
  • Fee Waiver Policy — For the Pre-filing Credit Counseling and Debtor Education Course, you will be charged a fee for this service and related certificate. Credit.org will provide services without regard to a client’s ability to pay.  Waiving the fee for services will be assessed based on regulation from the state in which you reside and if your family’s monthly gross income is equal to or less than 150% of the current Federal Poverty Level Guidelines.  For the purposes of this assessment, “your family” is defined as you, your spouse (unless you are separated and not intending to file a joint bankruptcy petition) and any other dependents.  To apply for a fee reduction or fee waiver please contact us at 888.425.3453 and one of our certified financial counselors will be able to assist. Credit.org offers counseling services in English and Spanish only, free interpreter assistance may be available for other languages.

Disclosure: Credit.org reserves the right to revise or change its criteria used to waive any fees under its Pre-filing Credit Counseling Services and Pre-discharge Debtor Education services. Services will be provided without regard to ability to pay.

*Approval by the EOUST to issue bankruptcy certificates evidences completion of a budget and credit counseling and debtor education course in compliance with the Bankruptcy Code. EOUST approval does not endorse or assure the quality of an Agency’s service.
**The EOUST has reviewed only the Agency’s counseling/instructional services and no other services the Agency may provide [28 C.F.R. section 58.20(l)(11)]. Click here to view the states Credit.org is approved to issue certificates in compliance with the Bankruptcy Code.