Required Credit Counseling Courses | Bankruptcy Clinic
Print Friendly
slide3_Layer_1

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

creditcounselingTwo sessions of counseling must be completed. These may be done either over the Internet or by phone. Our experience has shown it is generally cheaper and easier for most of our clients to do this over the Internet. If you cannot obtain Internet access, then you must do this by phone. The credit counseling courses must be done before we can file your case. After your case is filed, you will receive a bankruptcy case number. This will be needed to complete the debtor education counseling. This second session must be completed for the court to grant a discharge of your debts. Each time a session is completed a certificate verifying completion must be sent to our office and filed with the court. The counselor will forward these materials to us; however, it is your responsibility to make sure that the certificates are received in our office. Completed certificates may be sent by fax (618-549-0141) or e-mail: help@bankruptcy-clinic.com.

  • The first counseling session must be completed in order for us to file your case.
  • If the second counseling session is not done, the court will not enter an order discharging your debt. You are responsible for making sure we have the certificate.
  • Additional fees apply for these services. The fees from each provider vary. These fees are not included as part of your bankruptcy case.
  • We do not utilize an “attorney code” (for payment through us) with any of these agencies. You must pay the provider directly, usually by authorization to pay via a debit card or electronically from your checking/savings account.

RECOMMENDED COUNSELORS FOR THE SOUTHERN DISTRICT OF ILLINOIS

The Southern District of Illinois Bankruptcy Court has approved several hundred counseling agencies. As a courtesy to our clients, we have filtered through these numerous agencies to narrow down the following recommended programs which we believe provide the best value and service for our clients.

(Click Here to view this as a PDF)

CREDIT COUNSELING AND DEBTOR EDUCATION COURSES – INTERNET OR PHONE

Credit Counseling Debtor Education 
A123 Credit Counselors, Inc. (888) 412-2123 www.a123cc.com $30 – (Internet)  $50 – (Phone) N/A
A 24/7 Bankruptcy Class (888) 412-7247 www.a247class.com N/A $17.50 – (Internet)      $30 – (Phone)
Abacus Credit Counseling (888) 516-3834 www.abacuscc.org $25 – (Internet)  $35 – (Phone) $35 – (Internet)
$45 – (Phone)
Alliance Credit Counseling Inc. (888) 594-9554 www.knowdebt.org $19 – (Internet)
$49 – (Phone)
$19 – (Internet) / na
Clearpoint (formaly CredAbility) (800) 251-2227 www.credability.org $20 $50
Cricket Debt Counseling (866) 719-0400 www.cricketdebt.com $36 $24
DebtorCC (800) 610-3920 www.debtorcc.org $14.95 $9.95
GreenPath, Inc. (800) 860-4220 www.greenpath.com/bankruptcy/home.htm $25 – (Internet) $35 – (Phone) $15 – (Internet) $25 – (Phone)
Hananwill Financial Education Services (877) 544-5560 (Credit Counseling) www.hananwill.com $29 $35
Springboard Nonprofit Consumer Credit Management Inc. (800) 425-3453 www.bkhelp.org $45 – (Internet)   $55 – (Phone) $35 – (Internet)   $45 – (Phone)
The Kingdom Ministries (855) 552-5131 www.thekingdomministries.com $30 $30

DEBTOR EDUCATION COURSES – INTERNET ONLY

$10 Debtor Education (877) 601-4141 www.10debtoreducation.com N/A $10 per person
Dave Ramsey’s Debtor Education (888) 227-3223 www.daveramsey.com/debtor-education N/A $25 per person
$45 per couple
Huymmingburd Credit Counseling and Education, Inc (800) 645-4959 www.hbcce.org N/A $15 per person