Get Certificates Fast & Easy with SFT - The #1 Bankruptcy Solution for All

  • Pre-Bankruptcy Credit Counseling*
  • Pre-Discharge Debtor Education*
  • English & Spanish
  • Online or Over the Phone
  • 7-Day Customer Service
  • Courses as low as $15
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The Certification Process

Choose Your Course
1st, 2nd or Discount Packages!
Create Account Registration
On our top-rated Secure Platform!
Complete Course Requirements
Get your Certificate automatically!
Find a consumer bankruptcy attorney in your area with Start Fresh Today.
Understand the required steps to file for bankruptcy properly.
Get the information you need about the bankruptcy process and learn steps to maintain your fresh start.

We Help Consumers Going through Personal Bankruptcies by:

  • Our network of EOUST-approved* partner Agencies conveniently offers pre-bankruptcy credit counseling and debtor education courses online or by telephone.
  • Delivering your bankruptcy course certificates electronically to you and your attorney.**
  • Extending business hours to meet your customer service needs.

We Support Bankruptcy Attorneys by:

We Partner with Credit Counseling Agencies by:

  • Sublicensing our EOUST approved, proprietary software platform containing state-of-the-art credit counseling briefings and debtor education courses.

Start Fresh Today is recognized as a leader by bankruptcy attorneys because of its ability to streamline the bankruptcy process for their clients. Our EOUST-approved partner Agencies* have used the Start Fresh Today platform to provide certificates of both Pre-filing Credit Counseling and Pre-discharge Debtor Education to over 1.2 million individuals.

Whether you are filing for Chapter 7 or Chapter 13 bankruptcy, Start Fresh Today helps its partners ensure that your bankruptcy counseling and education requirements are met. The courses are simple, easy-to-use and available in both English and Spanish, with in-house bilingual customer service representatives available to help you 7 days a week. With the added convenience of having your certificate delivered immediately to you and your attorney**, Start Fresh Today gives you the peace of mind you need during this difficult process.

Set up your account now

Don’t have a consumer bankruptcy attorney yet? Our Attorney Locator can help you!

*Offered through EOUST-approved Agencies approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s services.
**Only available at the Preferred Service Level.

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"Thank you for your assistance and the great information that was part of the Start Fresh Today counseling program. Some of the information I was familiar with, but there was so much more to absorb. I look forward to using the tips to get back my 740 Score! I have reviewed the information with my Husband and got his "buy in" to making changes and focusing on our goals. I even contacted my insurance agent over the weekend to review our polices; I changed my Term Life, to a Whole Life (which was about to go from $53 per month to $83. I needed that coverage when my children were younger. Savings $360 per year!)."


"This is a belated thank you to the staff at your agency that were extremely helpful to me in completing this process, in particular a woman by the name of Joanna and a gentleman by the name of Jerry. Both of these staff went out of their way to ensure my complete customer satisfaction and I would like to commend them for their professionalism and assistance."

Sacramento, California

"Organization is essential in running a solo bankruptcy practice. has provided me with the ability to organize the research materials I need for processing bankruptcy cases for my clients. I don't have to go to multiple sites because everything is uploaded to one central location. They have been a big help to my firm."

Pat McMahon
San Francisco, CA