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As a consumer, it’s critical that you work with an approved agency like credit.org, whose main objective is to assist you in completing your mandatory requirements so you can file your bankruptcy petition and ultimately receive a bankruptcy discharge.

Here at credit.org, we understand how confusing the bankruptcy law and requirements may be to you. Our certified and experienced credit counselors are here to assist you in understanding the advantages and disadvantages of bankruptcy, as well as your available options.

As part of our commitment to you, our trained counselors will help you create a livable household budget and spending plan that can help you manage your finances in the future.

Credit.org’s bankruptcy counseling and debtor education programs are affordable and can be completed by telephone, internet or classroom. Our trained credit counselors will work with you and your attorney to make sure that you complete your two bankruptcy requirements so you can move forward with your bankruptcy. They are:

  • Counseling Completion Certificate
    In order to file your bankruptcy petition you must complete a mandatory budget briefing session with an approved credit counseling agency, like credit.org. A certificate of completion will be issued within three (3) business days of completing the Pre-filing Credit Counseling course to you and or your attorney and will be valid from 180 days from the date of completion of counseling. Click here to view the counseling fee outline. Click here for your bankruptcy counseling session.
  • Debtor Education Completion Certificate
    If you file a bankruptcy petition with the court, you will be required to complete an approved 2-hour debtor education course.The timeframe to complete this requirement varies based on which Chapter you file. If a Chapter 7 bankruptcy petition is filed, you will have 60 days to complete the approved debtor education course from the time of the § 341(a) Meeting of the Creditors. If a Chapter 13 bankruptcy petition is filed, the time allotted to complete an approved debtor education course could be much longer. If a Debtor Education Completion Certificate is not obtained by the required due date, the case may be closed by the court and the debts in your bankruptcy petition may not be discharged. In your counseling session with credit.org, your counselor will go over and assist you with the debtor education requirement. Click here for your bankruptcy education course.

*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.