After Filing for Bankruptcy:
A Debtor Education Certificate is Required
- Offered by non-profit Consumer Education Services, Inc. (CESI)
- Same low price per household
- Online or by phone
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Online Debtor Education
Getting your Debtor Education certificate is one of the final steps of the bankruptcy process. Register online now to get on your way to a fresh start!
Telephonic Debtor Education
If you have limited computer access, this is the option for you. Get your Debtor Education certificate by phone in English or Spanish. Call (800) 435-9138 or register below.
Post-Filing Debtor Education
Through EOUST-approved Consumer Education Services, Inc. (CESI) and the convenience of Start Fresh Today’s pioneer platform, you can complete the required Debtor Education before your debts can be discharged in bankruptcy.
What is the Debtor Education Course?
- Must be completed after the Pre-Filing Credit Counseling and prior to discharge
- Personal financial management course designed to help you construct a post-bankruptcy plan for financial stability and success (includes tips on budgeting, money management, and using credit wisely)
- 2 hours in length (required by law)
Your Debtor Education Features
- Same low price for single or joint filers (no hidden fees)
- Online or by telephone in English or Spanish
- Available online 24/7
- Ability to stop at any time and resume where you left off
- Immediate electronic delivery of your bankruptcy certificate
- Live counselor support Monday - Saturday with extended hours
- Non-profit Agency
- Free resources
If you have NOT filed for bankruptcy yet, you need to complete the Credit Counseling first. Start here.
Debtr 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.
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"Organization is essential in running a solo bankruptcy practice. StartFreshToday.com
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."
San Francisco, CA
"Thank you for helping to facilitate this debtor education program. There was an
older woman who had to file a Chapter 13 a few years back. Her son took her for
a financial ride to the point where she was unable to pay real estate taxes on a
very old and tired home and she was about to lose it for taxes (her only debt as
she never believed in credit cards, etc.). The agency that she went through for
credit counseling told her that it would take quite a while to be approved to be
charged nothing for the debtor education program and they essentially wanted nothing
more to do with her. How your agency stepped in and helped out is awesome. Thank
Silverman & Esposito
"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
"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!)."
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