Required Counseling Courses

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 & Phone)
Credit Counseling
Debtor Education
101 Credit Counseling
866-767-0111
$14.95 (Internet)
$6.95 (Internet)
$10 DebtorEducation
877-601-4141
N/A
$9.99 (Internet)
A 24/7 Bankruptcy Class
866-412-7247
http://www.a24-7class.com
(*attorney code 6189931300)
N/A
$10* (Internet) | $30 (Phone)
Access Counseling, Inc.
800-205-9297
http://www.accesscounseling.com
(*attorney code RB62435)
$14.95* (Internet) | $25 (Phone)
$9.95* (Internet) | $15 (Phone)
Affordable Bankruptcy Courses
888-268-7064
$19 (Internet or phone)
$15 (Internet or phone)
Allen Credit Counseling
888-415-8173
http://www.acdcas.com
(*attorney code BC19899)
$20 (Internet) | $25 (phone)
$20 (Internet) | $25 (Phone)
Alliance Credit Counseling Inc.
888-594-9554
$19 (Internet) | $49 (Phone)
$19 (Internet) | $49 (Phone)
BE Advisor Debtor Education
855-976-1700
N/A
$9.76 / person (Internet)
Bothcourses.com
855-313-4527
http://www.bothcourses.com
(*attorney code JH4905Y)
$14.99* (Internet) | $20 (Phone)
$7.99* (Internet) | $20 (Phone)
CC Advising Credit Counseling
855-980-6690
$9.76 / person (Internet)
N/A
Cricket Debt Counseling
866-719-0400
$24 (Internet or phone)
$20 (Internet or phone)
DebtorCC
800-610-3920
$14.95 (Internet)
$9.95 (Internet)
Hananwill Financial Education Services
877-544-5560 (1st Course) / 866-544-5557 (2nd Course)
$25 (Internet or phone)
$25 (Internet or phone)
Pioneer Credit Counseling
866-210-3590
$20 (Internet or phone)
$20 (Internet or phone)
Solid Start Financial Services
866-467-4147
N/A
$20 (Internet or phone)
The Kingdom Ministries
901-552-5131
$30 (Phone)
$30 (Phone)

* These rates are available if designated attorney code is entered

CARBONDALE OFFICE

Phone: (618) 549-1100
Toll Free: (888) 522-6578
Fax: (618) 549-0141
Contact Us
Map and Directions

Mailing Address:
Bankruptcy Clinic, PC
811 W. Main Street
Carbondale, IL 62901

MARION OFFICE

Phone: (618) 993-1300
Toll Free: (888) 522-6578
Fax: (618) 993-0713
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Mailing Address:
Bankruptcy Clinic, PC
206 W. DeYoung Street
Marion, IL 62959

MT. VERNON OFFICE

Phone: (618) 315-6600
Toll Free: (877) 621-2894
Fax: (618) 315-6603
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Mailing Address:
Bankruptcy Clinic, PC
2006 Broadway
Mt. Vernon, IL 62864