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Online Pre-Bankruptcy Credit Counseling

Step 1

$19
Per Household


You have selected the first required Pre-Bankruptcy Credit Counseling offered by Consumer Education Services, Inc. (CESI).* Before you begin, here is some information you need to know:

  • Prior to filing for Chapter 7 or Chapter 13 bankruptcy, a Credit Counseling certificate is required within 180 days
  • Credit Counseling can be taken by an individual or married couple who have not yet filed for bankruptcy

Consumer Education Services Inc. (CESI) is approved to provide the Pre-Bankruptcy Credit Counseling in compliance with the Bankruptcy Code. For the counseling, you will need to provide your income and deductions, all expenses, debts owed, and all assets and property. To begin, just click continue below.


If you have already filed for bankruptcy and have been assigned a case number, you need to take Pre-Discharge Debtor Education Course.


Start Now

*Consumer Education Services, Inc. (CESI) (d/b/a Affordable Bankruptcy Courses) is approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s services.