Have you filed for bankruptcy?

Who We Are

Founded in 2005, Start Fresh Today’s platform has been used to help families by providing Pre-Filing Credit Counseling and Post-Filing Debtor Education by EOUST and Bankruptcy Administrator Approved Agencies and to support attorneys by streamlining the bankruptcy process.

In March 2015, Start Fresh Today was acquired by Consumer Education Services, Inc. (CESI), a non-profit service provider of comprehensive personal financial education and solutions. CESI is EOUST and Bankruptcy Administrator Approved to issue certificates in compliance with the Bankruptcy Code.

Pre-Bankruptcy Credit Counseling

Pre-Bankruptcy Credit Counseling

Before filing for Chapter 7 or Chapter 13 bankruptcy, a Credit Counseling Certificate from an EOUST and Bankruptcy Administrator Approved Provider is required by law. Fulfill your requirement online or by phone in English or Spanish. It’s fast & easy to get started!

Debtor Education Course

Debtor Education Course

After completing the Credit Counseling and filing for bankruptcy, you are required to complete a Debtor Education Course by an EOUST and Bankruptcy Administrator Approved Provider. This course is offered online or by phone. Your fresh start awaits

Pre-Bankruptcy Credit Counseling

Consumer Corner

Start Fresh Today’s platform offers a number of free resources to guide consumers before, during, and after bankruptcy including eBooks, New Beginnings Magazine, bankruptcy blog, step-by-step instructions, bankruptcy glossary, videos and more.

Pre-Bankruptcy Credit Counseling

Bankruptcy Attorneys

Start Fresh Today’s platform is a one-stop-shop offering bankruptcy certificates, discounted due diligence products, and free document storage all in one place. Learn more about how Start Fresh Today can help your firm save time and money.

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The Bankruptcy Process

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Making a Difference, One Client at a Time

Credit Counseling & Debtor Education offered through EOUST and Bankruptcy Administrator-approved Consumer Education Services , Inc. (CESI), doing business as Start Fresh Today. CESI is approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s services.