Two required courses.
One trusted place.
Complete pre-filing credit counseling or post-filing debtor education online, at your own pace. Each course is $25 for an individual or joint household.
- Available online 24/7
- English, Spanish, and Korean
- Human counselor review
Which course do you need right now?
Choose based on where you are in the bankruptcy process. Single and joint filers pay the same online course fee.
Pre-Filing Credit Counseling
Complete the required credit counseling and financial review before filing for bankruptcy.
Post-Filing Debtor Education
Complete the required personal financial management course after filing for bankruptcy.
Post-filing debtor education is not available for Oregon residents.
Online convenience, with people still involved.
The portal keeps your course, counselor review, certificate status, and communication connected in one secure place.
Create your account
Choose pre-filing or post-filing and provide the information needed for your course.
Complete the course
Work through the approved material and assessment in the language selected for your case.
Connect with a counselor
A counselor reviews completion and follows the required contact process with you.
Access your certificate
When the certificate is released, its status and secure download remain connected to your account.
Less uncertainty at an already stressful time.
One account
Use one secure portal for enrollment, course access, status, counselor communication, and released documents.
Household pricing
The $25 online fee applies to an individual or joint household for each required course.
Language choice
Approved course experiences are being provided in English, Spanish, and Korean.
Start and resume
Online courses are available around the clock, and your progress stays with your account.
Attorney connection
When you identify an attorney, authorized staff can connect the account and share appropriate status.
Human review
The modern portal improves the workflow while preserving required counselor involvement and judgment.
Your clients, codes, and certificate status in one workspace.
The attorney portal provides a focused view of clients connected to your account, separate pre- and post-filing payment codes, and released certificate access.
Practical information people remember.
“I particularly appreciate the consumer protection section. The suggestions for monitoring credit and preventing identity theft were especially useful.”
MaryGrace G.
“This really helped me in my desire to change the way I manage not only my money but my life.”
Emma V.
“I would highly recommend it. The written explanation is very simple to understand.”
Maria P.
