U.S. Trustee Approved Credit Counseling Course

Start Fresh Today offers you a credit counseling course along with an agency that will assist you in completing the course before you file your bankruptcy petition. Once you have completed this pre-bankruptcy course your bankruptcy attorney will begin the filing procedures.

What is a Credit Counseling Course?

  • A web-based pre-bankruptcy course you can take from the comfort of your home
  • A useful, informative personal finance tool that is easy to navigate
  • A course that allows you to stop at any time – to take a rest or to speak with your credit counseling agency – and start where you left off

What will you get from our Credit Counseling Course?

  • Personalized feedback based on the information you typed in
  • A printable summary of the course for your records
  • Electronic delivery of your bankruptcy certificate
  • Peace of mind that you’re moving in a positive direction

There's no complicated process here at Start Fresh Today. We provide you with a credit counseling agency that will quickly look over your personalized information submitted on your credit counseling course. All our agencies are approved to issue bankruptcy certificates according to the new bankruptcy laws and will issue yours automatically via email to both you and your attorney (if provided). Everything is taken care of, so you won’t have any added worry or stress.

The online credit counseling course costs $30 filing as an individual or jointly with your spouse. From there you can count on Start Fresh Today to get the process quickly moving in a professional manner while you take the next step toward a better financial future.

If you prefer, you can take the credit counseling course over the telephone, speaking with a credit counselor. The telephonic course costs $50.

Receive an Immediate Discount on your Credit Counseling Course and Debtor Education Course

The Start Fresh Today Team understands the financial stress you are enduring and we want to help. When you buy a Credit Counseling Course, you’ll automatically receive a $10 discount on your Debtor Education Course, to take immediately or in the future. That's both courses for $59!

Please note that we are not a credit counseling agency. We have coordinated a pool of reputable, independent 501c3 credit counseling agencies to quickly review your data and post a PDF of the credit counseling certification to your account.

We simply facilitate the relationship between the agency and you to provide for a consistent briefing delivery. When you purchase the briefing, we assign you to a provider in the client's district. Additionally, all client data from our free Means Test instantly transfers to the Certification Program in an easy-to-use, editable format.

Consumer Corner

Attorney Locator

FAQ

» How do I find my bankruptcy case number?

Please refer to the paperwork that your attorney supplied to you, or contact your attorney for your case number.

» How do I apply for a fee waiver?

Fee waivers are approved for anyone within 150% of the poverty guidelines. Please email or call customer service for a fee waiver application. Click here for fee waiver instructions and forms.

» Do I have to spend 2 hours in the post-filing course?

Yes. By law, the U.S. Trustee's office requires all debtor students to obtain a minimum of 2 hours of study in a post-filing /Debtor Education/ Financial Management course. Please be aware of the time you spend inside this course so that it reflects the requirement of 2 hours. An educator will review your time log at the completion of the course – if you’ve not fulfilled the time requirement, you may be asked to return to the course to review further.

» All frequently asked questions

Testimonials

"Start Fresh Today has been a great experience for our organization. After only weeks of licensing the agency interface, our credit counselors have been very impressed with the ease of use and improved efficiencies that have made their jobs easier. The consumers are saying, "what a great experience the briefing was". The Start Fresh Today team has been there for us every step of the way with regular training and system customization to meet our organization's needs. With no implementation charges and the low licensing fees, I am only sorry that we did not start using the Start Fresh Today system sooner."

Doug Hammond
Outreach and Programs Director
Alliance Credit Counseling, Inc.

"The Start Fresh Today Agency Interface has been a key element in Novadebt delivering internet assisted credit counseling briefings. We license the Start Fresh Today briefing for orders that we generate from our own relationships, as well as fulfill briefings that have been ordered by consumers on StartFreshToday.com. With an intuitive interface, highly accessible technical support, and cost effective pricing, Start Fresh Today continues to be an ideal solution for Novadebt. Our counselors, and the consumers they serve, have provided consistently positive feedback. "

Joel Greenberg
Novadebt

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