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We understand that each person that seeks assistance has a unique financial situation. During your pre-filing bankruptcy counseling session, a certified credit counselor will work one-on-one with you to develop a detailed personal financial assessment. Your counselor will review your income, expenses, assets, and liabilities. This in-depth bankruptcy credit counseling process will provide you with a true and accurate picture of your financial situation. The personal financial assessment is just the first piece that is developed to help you determine the right solution for your financial situation.  Your counselor will work with you to develop a reasonable and manageable spending plan, a detailed action plan, and short and long-term financial goals.

From the comfort of your home, you can complete your pre-filing bankruptcy counseling online or by telephone.  Counselors are available by telephone from 8AM to 12AM (CST), 7 days a week, while online bankruptcy creditz counseling is available anytime at  In-person services are available by appointment in select local markets. Counseling services are available in Spanish with more than 150 other languages available upon request.

Upon completion of the bankruptcy counseling session, you will be promptly issued a certificate of participation that allows you to proceed with the bankruptcy filing process. Timely certificate delivery is offered by email, fax, or mail.


Bankruptcy Services

Pre-filing counseling

Pre-discharge education

Attorney Relations

View All Bankruptcy Counseling FAQs

Q: Do I need an attorney to file for bankruptcy?
You are not required to use an attorney when filing for bankruptcy, however bankruptcy laws can be complicated.  Working with a trusted attorney can help ensure a smooth process.

Questions about bankruptcy?

Not sure if bankruptcy is right for you? Or even what it means to file for bankruptcy?  Visit for answers to all of your bankruptcy-related questions.