Pre-Filing Credit Counseling

Under federal law, you are required to obtain credit counseling from a qualified non-profit agency before filing for bankruptcy.

The Executive Office for the United States Trustee ("EOUST") regulates and approves agencies authorized to provide such counselling. EOUST approval does not endorse or guarantee the quality of any Agency's services.

For a list of EOUST approved bankruptcy counseling agencies, visit:


Help Before Your Counseling

Learn more on our Frequently Asked Questions About Bankruptcy page.

To learn about Bankruptcy options, go to the Types of Bankruptcy page.

For an overview of the bankruptcy process, see How to File for Bankruptcy.

If you need an attorney, click to Find a Bankruptcy Attorney.

Latest Bankruptcy News


After more than five years of service to consumers preparing to file for bankruptcy, we must say farewell and cease operations. As of May 5, 2014, we are no longer authorized to provide counseling services or issue certificates of completion.

If you previously completed your counseling and obtained a certificate of completion through this website, you can log in to download a copy of your previously issued certificate.