All individual bankruptcy filers are required to complete pre-bankruptcy credit counseling and a pre-discharge financial management course. These may not be provided at the same time. Credit counseling must take place before you file for bankruptcy; the financial management course must take place after you file.
Certificates of completion for both credit counseling and the financial management course are required before the filer’s debts can be discharged. Only credit counseling organizations and financial management course providers that have been approved by the Bankruptcy Administrator may issue these certificates.
For information about how to be approved as a debtor education provider, please consult our instructions on the approval process.
The following agencies are approved as providers of instructional courses concerning personal financial management for this district pursuant to 11 U.S.C. § 111:
001 DEBTOREDU, LLC
378 Summit Avenue
Jersey City, NJ 07306
Telephone: (800) 610-3920
Fax: (888) 557-1635
www.debtoredu.com
247 Bankruptcy Class, Inc.
6303 Blue Lagoon Drive, Suite 400
Miami, FL 33126
Telephone: (305) 267-1041
Fax: (305) 402-0160
www.a247class.com
A+ Class
126 Park Crest Drive
Red Oak, TX 75154
Telephone: (888) 533-3423
Fax: (817) 533-3423
www.bestbkclass.com
Access Counseling, Inc.
663 W. 5th Street, Suite 26001
Riverside, CA 92507
Telephone: (800) 205-9297
Fax: (866-431-1927
www.accesscounselinginc.org
Allen Credit & Debt Counseling Agency
800 Dakota Ave. N.
Huron, SD 57350
Telephone: (888) 415-8173
Fax: (605) 610-4059
www.acdcas.com
American Consumer Credit Counseling, Inc.
130 Rumford Avenue, Suite 202
Newton, MA 02466
Telephone: (866) 826-6924
Fax: (617) 559-5791
www.consumercredit.org
Arbor Investment, Ltd.
1850 South 72nd St.
Omaha, NE 68124
Telephone: (800) 625-7725
Fax: (402) 393-1579
www.yourbankruptcypartner.com
BE Adviser, LLC
PO Box 383
Bay City, MI 48707-0383
Telephone: (855) 976-1700
Fax: (877) 419-2702
www.beadviser.com
Black Hills Children's Ranch, Inc.
dba Pioneer Credit Counseling
1644 Concourse Drive
Rapid City, SD 57703
Telephone: (605) 348-1608
Fax: (605) 348-8537
www.pioneercredit.com
Butterfly Financial Education, Inc.
335 Auburn Lane NW
Calabash, NC 28467
Telephone: (844) 289-2701
Fax: (919) 741-5869
www.butterflyfe.com
Credit Card Management Services, Inc.
dba Debthelper.com
1325 N. Congress Avenue, Suite 201
West Palm Beach, FL 33401
Telephone: (800) 920-2262
Fax: (866) 561-2622
www.debthelper.com
Debt Education & Certification Foundation
112 Goliad Street
Benbrook, TX 76126
Telephone: (866) 859-7323
Fax: (866) 339-3328
www.BKcert.com
Garden State Consumer Credit Counseling, Inc.
dba Navicore Solutions
200 US Highway 9
Manalapan, NJ 07726
Telephone: (732) 409-6281
Fax: (732) 431-5248
www.navicoresolutions.org
InCharge Debt Solutions, Inc.
5750 Major Blvd., Suite 300
Orlando, FL 32819
Telephone: (866) 729-0049
Fax: (877) 419-8370
www.personalfinanceeducation.com
Money Management International (MMI)
14141 Southwest Freeway, Suite 1000
Sugarland, TX 77478
Telephone: (877) 964-2227
Fax: (713) 394-3010
www.moneymanagement.org
Sage Personal Finance
3830 Vanalden Avenue
Tarzana, CA 91356
Telephone: (800) 516-2759
Fax: (888) 733-5047
www.sagepf.com
Second Bankruptcy Course, LLC
4540 Honeywell Court
Dayton, OH 45424
Telephone: (800) 217-7030
Fax: (866) 307-1003
www.secondbankruptcycourse.com
Solid Start Financial Education Services, Inc.
10121 SE Sunnyside Road, Suite 300
Clackamas, OR 97015
Telephone: (866) 467-4147
Fax: (866) 470-6523
www.solidstartfinancial.com
Springboard Nonprofit Consumer Credit Management, Inc.
4351 Lathem Street
Riverside, CA 92501
Telephone: (951) 781-0114
Fax: (951) 781-9896
www.credit.org
Stand Sure Information Services, Inc.
406 5th Street North, Suite 1
Oneonta, AL 35121
Telephone: (877) 750-0851
Fax: (800) 718-4724
www.standsuretoday.com