How to Get a Bankruptcy Counseling Certificate

Obtaining a bankruptcy counseling certificate is a prerequisite to filing for personal bankruptcy under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. This requirement is to help ensure that consumers are educated about the bankruptcy process.

To obtain the certificate, you’ll need to find a qualified bankruptcy counseling agency. It’s in your best interest to spend some time finding a reputable agency, as this counseling can be very beneficial to you.

Finding a Bankruptcy Counseling Agency 

Finding a bankruptcy counseling agency is fairly straightforward. The Executive Office for U.S. Trustees maintains a list of approved agencies on their Web site.

Money Management International offers an approved program in which a certified credit counselor will work one-on-one with you to develop a detailed personal financial assessment.

What Happens During an Approved Program

You should expect the following to occur during your session:

  • An in-depth review of your income, expenses, assets, and liabilities
  • Discussion of the right solution for your financial situation
  • Development of 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 counseling session online, over the phone, or via web chat. Online counseling is available 24 hours a day, 7 days a week at In-person services are available by appointment in the local markets in which we operate. Counseling services are available in Spanish; many other languages available upon request.

Upon completion of the 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. 

  • The Consumer Federation of America (CFA) is an association of nonprofit consumer organizations that was established in 1968 to advance the consumer interest through research, advocacy, and education. Today, nearly 300 of these groups participate in the federation and govern it through their representatives on the organization's Board of Directors.

  • The mission of the U.S. Department of Housing and Urban Development (HUD) is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD works to strengthen the housing market in order to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; and build inclusive and sustainable communities free from discrimination.

  • The Council on Accreditation (COA) is an international, independent, nonprofit, human service accrediting organization. Their mission is to partner with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.

  • The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.