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The New Non-Profit
Before Filing:
Pre-Filing Credit Counseling
Online or By Phone
Pre-Filing Credit Counseling
The New Non-Profit
After Filing:
Post-Filing Debtor Education
Online or By Phone
Post-Filing Debtor Education
The New Non-Profit
One-Stop-Shop
For Bankruptcy Attorneys & Their Clients
"How your agency stepped in and helped
out was awesome. Thank you again!"
-SFT Attorney
Bankruptcy Attorneys

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-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-Approved to issue certificates in compliance with the Bankruptcy Code.

CESI Logo
offers
Credit Counseling Certificate

Pre-Filing Credit Counseling

Before filing for Chapter 7 or Chapter 13 bankruptcy, a Credit Counseling Certificate from an EOUST-Approved Agency is required by law. Fulfill your requirement online or by phone in English or Spanish. It’s fast & easy to get started!
Get Started Now
Debtor Education Certificate

Post-Filing Debtor Education

After completing the Credit Counseling and filing for bankruptcy, you are required to complete a Debtor Education Course by an EOUST-Approved Provider. This course is offered online or by phone in English or Spanish. Your fresh start awaits!
Get Started Now
Bankruptcy Resources

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.
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Bankruptcy Attorneys Due Diligence

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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Featured Video

The Bankruptcy Process

Featured Blog Post

A Guide to the 341 Meeting & When to Take Your Debtor Education Course
Posted on Thu, 27 Aug 2015 15:00:00 GMT

You may be aware that filing for Chapter 7 bankruptcy requires you to attend a 341 Meeting, but it is normal to be apprehensive when you don't know what to expect. This "meeting of creditors" takes place within 21 to 40 days of filing a case. Obviously, knowing what to expect can prepare you for the meeting so that you can officially discharge your debt. This guide will walk you through the basics of what to expect at the 341 Meeting, before you complete your debtor education course.

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Making a Difference, One Client at a Time

"Course was excellent and the customer service rep I spoke with was great and very helpful."

Start Fresh Today Testimonial 1

Rciardo F, Ohio

"When I used your customer service, I was always completely satisfied with the help and politeness I received. I applaud your company."

Start Fresh Today Testimonial 2

Kai H, Ft Lauderdale

"Our experience with this company was amazing. Not only did we get excellent customer service and a great counseling session, but we learned a lot of information through this bankruptcy. Thanks so much for your services."

Start Fresh Today Testimonial 3

Ashley U, Sacramento

Credit Counseling & Debtor Education offered through EOUST-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.