Credit Counseling

Credit Counseling

Required Counseling Courses

The bankruptcy laws require you to complete two counseling sessions prior to receiving a bankruptcy discharge. You may complete the sessions over the internet or by phone. 


It is generally cheaper to do this over the internet. However, many of our clients find the phone to be more personable or convenient. Call us if you would rather speak with us on the phone.


The Credit Counseling must be done before we can file your case. After your case is filed, you will receive a bankruptcy case number. This case number will be needed to complete the Debtor Education Counseling. This second course must be completed for the court to grant a discharge of your debts.

Each time a course is completed, a certificate verifying completion should be sent to our office. The counselor will generally forward these materials to us. Thereafter, we will file it with the court. In some cases, the provider may also file it with the court.

  • Additional fees apply for these courses. The fees from each provider vary and are not included as part of your bankruptcy case fees.
  • You must pay the provider directly, usually by authorization to pay via a debit card or electronically from your checking / savings account.
  • We do our best to monitor the performance of these counselors. Please feel free to provide any input you may have regarding your counseling experience, so we may best steer our clients towards preferred providers in the future.

Credit Counseling and Debtor Education Courses (Internet & Phone)

123 Credit Counselers

888-412-2123

www.a123cc.org

Credit Counseling:

$30 (Single - Internet)

$40 (Joint - Internet)

$50 Phone

Debtor Education: N/A


DebtorEdu., Inc.

800-610-3920

http://www.debtoredu.com

Credit Counseling: $19.95 (Internet)

Debtor Education: $14.95 (Internet)

A24/7 Bankruptcy Class

866-412-7247 

http://www.a24-7class.com

(*attorney code 6189931300)

Credit Counseling: N/A

Debtor Education ONLY $17.50  (Single) | $35 (Joint)


Access Counseling, Inc.

800-205-9297

http://www.accesscounseling.com

Credit Counseling: $25 (Internet or phone)

Debtor Education: $15 (Internet or phone)

Dollar Learning

855-313-4527

www.dollarbk.org

Credit Counseling: $20 - Single (Internet or phone)

$30 - Joint (Internet or phone)

Debtor Education: $20 (Internet or phone)


Allen Credit Counseling (Available 24/7)

888-415-8173

http://www.acdcas.com

(*attorney code BC19899)

Credit Counseling: $20 (Internet) | $25 (phone)

Debtor Education: $20 (Internet) | $25 (Phone)

Alliance Credit Counseling Inc.

888-594-9554

http://www.knowdebt.org

Both  Courses $19 (Internet) | $49 (Phone)


$10 Debtor Education

877-601-4141

www.10debtoreducation.com

Credit Counseling: N/A

Debtor Education: $9.99 (Internet)

CC Advising Credit Counseling

855-980-6690

http://www.ccadvising.com

Credit Counseling: $9.76 (Internet)  | $25 (Phone)

Debtor Education: N/A

Cricket Debt Counseling

866-719-0400

http://www.cricketdebt.com

Credit Counseling: $24 (Internet or phone)

Debtor Education: N/A


DebtorCC, Inc.

800-610-3920

http://www.debtorcc.org

Credit Counseling: $19.95 (Internet)

Debtor Education: $14.95 (Internet)

Hananwill Financial Education Services

877-544-5560 (Credit Counseling)

866-544-5557 (Debtor Education)

http://www.hananwill.com

Credit Counseling: $25 (Internet or phone)

Debtor Education: $25 (Internet) |

$35 (Phone)


Pioneer Credit Counseling

866-210-3590

http://www.pioneercredit.com

Both Courses: $20 (Internet or phone)

Solid Start Financial Services

866-467-4147

http://www.solidstartfinancial.com

Credit Counseling: N/A

Debtor Education: $20 (Internet or phone)


The Kingdom Ministries

901-552-5131

http://www.thekingdomministries.com

Both Courses: $30 (Phone)

* These rates are available if designated attorney code is entered

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