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Choose Your Bankruptcy Education Course:

Counseling Session 1:
Before Filing Bankruptcy

Before filing for bankruptcy, individuals are required to complete a pre-filing bankruptcy counseling session with a certified credit counselor. Credit.org is an EOUST approved agency.*

During this one hour session our counselors provide the required education regarding bankruptcy and also create an individualized family budget that assists the individual and/or family to better make sound financial choices in the future.

Counseling Session 2:
After Filing Bankruptcy

After filing for bankruptcy and before your debts can be discharged, individuals must receive financial education from an approved agency. Credit.org is an EOUST approved agency.*

During this required session Credit.org will cover a variety of topics focusing on financial and budgeting material. Our goal is to provide individuals and/or families with knowledge and tools for future management of personal finances.

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*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)].
***The Agency may disclose client information to the United States Trustee in connection with the United States Trustee’s oversight of the agency, or during the investigation of complaints, during on-site visits, or during quality of service reviews.
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