Required Credit Counseling Courses | Bankruptcy Clinic
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Marion
(618) 993-1300

Mt. Vernon
(618) 315-6600

Carbondale
(618) 549-1100

Your First Step

To a Fresh Start

CREDIT AND DEBTOR EDUCATION COUNSELING

creditcounseling

The bankruptcy laws requires you to complete two counseling sessions prior to receive 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.

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 that we may best steer our clients towards preferred providers in the future.

(Click Here  for  a PDF Version of Credit Counseling / Debtor Education Providers)

CREDIT COUNSELING AND DEBTOR EDUCATION COURSES (INTERNET OR PHONE) Credit Counseling Debtor Education
101 Credit Counseling 866-767-0111 www.101creditcounseling.com $14.95 (Internet) $6.95 (Internet)
$10 DebtorEducation 877-601-4141 www.10debtoreducation.com N/A $9.99 (Internet)
A 24/7 Bankruptcy Class 866-412-7247 www.a24-7class.com (*attorney code 6189931300) N/A $10* (Internet)          $30 (Phone)
Access Counseling, Inc. 800-205-9297 www.accesscounseling.com  (*attorney code RB62435) $14.95* (Internet)      $25 (Phone) $9.95* (Internet)      $15 (Phone)
Affordable Bankruptcy Courses 888-268-7064 www.affordablebankruptcycourses.com $19 (Internet or phone) $15 (Internet or phone)
Allen Credit Counseling 888-415-8173 www.acdcas.com (*attorney code BC19899) $20 (Internet)           $25 (phone) $20 (Internet)           $25 (Phone)
Alliance Credit Counseling Inc. 888-594-9554 www.knowdebt.org $19 (Internet)
$49 (Phone)
$19 (Internet)
$49 (Phone)
BE Advisor Debtor Education 855-976-1700 www.beadvisor.com N/A $9.76 / person (Internet)
Bothcourses.com 855-313-4527 www.bothcourses.com  (*attorney code JH4905Y) $14.99* (Internet)     $20 (Phone) $7.99* (Internet)        $20 (Phone)
CC Advising Credit Counseling 855-980-6690 www.ccadvising.com $9.76 / person (Internet) N/A
Cricket Debt Counseling 866-719-0400 www.cricketdebt.com $24 (Internet or phone) $20 (Internet or phone)
DebtorCC 800-610-3920 www.debtorcc.org $14.95 (Internet) $9.95 (Internet)
Hananwill Financial Education Services 877-544-5560 (1st Course)
866-544-5557 (2nd Course)
www.hananwill.com $25 (Internet or phone) $25 (Internet or phone)
Pioneer Credit Counseling 866-210-3590 www.pioneercredit.com $20 (Internet or phone) $20 (Internet or phone)
Solid Start Financial Services 866-467-4147 www.solidstartfinancial.com N/A $20 (Internet or phone)
The Kingdom Ministries 901-552-5131 www.thekingdomministries.com $30 (Phone) $30 (Phone)
* These rates are available if designated attorney code is entered