Save $20 when you purchase the Credit Counseling and Debtor Education Courses now as a package.
Choose from our individually priced courses based on your preferred service level.

Pre-Bankruptcy Credit Counseling

Through EOUST-approved Agencies*, Start Fresh Today offers you the pre-bankruptcy credit counseling that must be completed prior to filing a Chapter 7 or Chapter 13 bankruptcy. With Start Fresh Today’s platform, and through its network of EOUST-approved Agencies approved to issues certificates in compliance with the Bankruptcy Code, you can quickly and easily fulfill your credit counseling requirement and earn your certificate of completion to file for bankruptcy.

What is a Pre-Bankruptcy Credit Counseling Session?

  • An interactive session that covers the basics of budgeting and personal financial management (requires detailed information about your income, expenses, and debts)
  • Must be completed within 180 days prior to filing for bankruptcy
  • 60-90 minutes in length

Credit Counseling Session Features

  • Online or by telephone in English or Spanish
  • Available online 24/7
  • Electronic delivery of your bankruptcy certificate
  • Live customer support 7 days a week**
  • Discounted rate when you purchase the Preferred Package (includes Credit Counseling and Debtor Education)
  • Ability to stop at any time and resume where you left off

* 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.

Consumer Corner

Attorney Locator


» 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


"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.

Ready to Start? Call us at 1(800) 435-9138