Distressed man considering filing for bankruptcy Distressed man considering filing for bankruptcy

Complete your Bankruptcy Filing

We offer a variety of convenient bankruptcy certification options.

Making a difficult process easy

Bankruptcy is not a simple process. It can be a painful decision, even when it's the right decision. The last thing you want to do is make your bankruptcy filing more complicated than it needs to be.

For your convenience, MMI offers pre-filing bankruptcy counseling and pre-discharge bankruptcy education online, over the phone, and in-person in select locations. When you're ready to receive these critical services, we're here.

Who needs bankruptcy counseling and education?

While MMI's bankruptcy services are available to anyone, the target audience for pre-filing counseling and pre-discharge education is consumers who have already decided to begin the bankruptcy filing process. We recommend working with a qualified attorney to help you navigate this sometimes tricky process.

If you're unsure whether or not bankruptcy is the right path for you, consider first speaking with a certified credit counselor. Credit counseling is free and may help you better understand the severity of your situation. Your counselor can also provide potential alternatives to bankruptcy, if appropriate.

LEARN MORE ABOUT CREDIT COUNSELING

Get your certificate right away

Bankruptcy counseling and education are both crucial requirements of the filing process. You can't proceed through your filing until you've received a certificate confirming that you've completed your counseling session; likewise, you can't officially discharge your included debts until you have proof that you've completed your education session. 

Upon completion of each session, your certificate will be delivered quickly, through your choice of email, fax, or standard mail.

Begin when you're ready

Pre-filing counseling (required to begin the filing process)

By phone | 877.895.2227 - counselors available 8am-8pm (CT) Mon-Thurs, 9am-6pm (CT) Fri.
In person | 877.895.2227 - available by appointment only (see location map)
Online | available 24/7 at BankruptcyCertificate.com
Telephone interaction with a counselor is required before the session is complete and a certificate issued.

Pre-discharge education (required prior to discharge of debts)

Online | available 24/7 at BankruptcyCertificate.com

CALL OR VISIT BANKRUPTCYCERTIFICATE.COM TO GET Started

Bankruptcy Counseling and Education
Here's how it works
Distressed woman facing bankruptcy

Once you've consulted with an attorney and decided that bankruptcy is the right course of action for you, your next step will be to complete your mandatory counseling session.

Pre-filing bankruptcy counseling involves a thorough review of your current finances, including your debts, assets, and income. There is also important information about the filing process and potential impact of filing for bankruptcy. You can work at your own pace using the online counseling service, or complete this step one-on-one with a trained counselor. Within 24 hours of completing counseling you will receive your certificate.

Before your debts can be discharged, you'll need to provide proof that you've completed the required bankruptcy education course.

Pre-discharge bankruptcy education is designed to give you the knowledge and insight needed to build a strong financial foundation following your bankruptcy. You will learn how to set and meet goals, build a positive credit history, and live within your means. Following the completion of the course, you will receive a certificate which will allow you to complete the filing process. 

Frequently Asked Questions
Are services available in Spanish?
Are services available in Spanish?
Services are available in English and Spanish. Additional languages are available via an interpreter service.
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Do I need an attorney to file for bankruptcy?
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.
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How much does bankruptcy counseling and education cost?
How much does bankruptcy counseling and education cost?
Each bankruptcy counseling and education session costs $50 to complete. The cost is the same if you are filing jointly or as an individual. MMI is able to waive fees for consumers whose household income is equal to or less than 150 percent of the estimated poverty threshold for their applicable family size as published in the current Federal Poverty Levels Guidelines.
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How long is a bankruptcy counseling/education session?
How long is a bankruptcy counseling/education session?
Pre-filing bankruptcy counseling typically takes between 45 minutes to an hour. Pre-discharge education courses usually require a minimum of two hours to complete.
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Does the bankruptcy counseling certificate expire?
Does the bankruptcy counseling certificate expire?
Bankruptcy regulations require consumers to receive counseling within six months of filing. If you choose to file more than six months past the date of your initial bankruptcy counseling session, you will need to schedule another appointment to talk with a trained bankruptcy counselor.
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Do both joint filers need to complete the counseling?
Do both joint filers need to complete the counseling?
Joint filers only need to pay for one counseling session and one education course as long as both filers are present during the corresponding session or class.
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They've been where you are today
The Right Choice for You
You have plenty of options when it comes to bankruptcy counseling and education providers. Here are just a few reasons why you should consider MMI for your bankruptcy counseling and education needs.
  1. Nonprofit
    As a 501(c)(3) nonprofit organization, we take pride in providing unbiased advice and expert instruction.
  2. Quality
    MMI is a member of the National Foundation for Credit Counseling (NFCC), Consumer Federation of America (CFA), and National Council of Higher Education Resources (NCHER). We are proud to be accredited by the prestigious Council on Accreditation (COA).
  3. Convenience
    Our online bankruptcy services are available 24 hours a day, seven days a week, with certificates of completion delivered quickly by your choice of email, fax, or standard mail.
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