Before filing for bankruptcy, individuals generally complete an approved credit counseling briefing and a review of their financial situation. Credit Advisors Foundation provides this first required course through Your Bankruptcy Partner.
What to expect
- Create or sign in to your secure portal account.
- Provide the requested household and financial information.
- Complete the approved course and assessment.
- Speak with a counselor as required.
- Follow certificate status through your portal account.
Your progress remains connected to your portal account. Sign in to continue where you left off.
Fee-waiver review
We offer a fee-waiver program. To apply for a waiver of the $25 course fee, complete the Fee Waiver Request Form for final review and approval. We will review the information you provide and let you know whether you qualify for a fee waiver based on that information and whether your income is less than 150 percent of the poverty guidelines published by the United States Department of Health and Human Services. A chart is included with the form. You will be contacted within 1–2 business days with the results of your request.
Please submit both the completed fee-waiver form and either Schedule I (if prepared) or proof of income, such as one month of pay stubs, unemployment statements, or disability benefit statements, for review.
Download the Fee Waiver Request Form (fillable PDF)
Need help choosing?
Pre-filing credit counseling is the course completed before filing. If you have already filed and need the second course before discharge, review Post-Filing Debtor Education.