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Before Filing for Bankruptcy:

A Credit Counseling 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 Credit Counseling
Getting your Credit Counseling certificate is fast & easy. Register online now with live support standing by to guide you every step of the way.
Register Now
Telephonic Credit Counseling
If you have limited computer access, this is the option for you. Get your Credit Counseling certificate by phone in English or Spanish. Call (800) 435-9138 or register below.
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Pre-Filing Credit Counseling

Through EOUST-approved Consumer Education Services, Inc. (CESI) and the convenience of Start Fresh Today’s pioneer platform, you can quickly and easily fulfill your Pre-Filing Credit Counseling that is required before filing a Chapter 7 or Chapter 13 bankruptcy.

What is the Pre-Filing Credit Counseling?

  • Must be completed within 180 days prior to filing for bankruptcy
  • An interactive session offered online or by phone that covers the basics of budgeting and personal financial management (requires detailed information about your income, expenses, and debts)
  • 60-90 minutes in length
  • Includes a one-on-one session with a certified counselor and a customized action plan

Your Credit Counseling 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 Credit Counseling Agency
  • Free resources

Credit Counseling 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.

Consumer Corner

Attorney Locator

» Find a bankruptcy attorney in your area


» 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 100% of the applicable poverty guideline as published by the United States Department of Health and Human Services (DHHS) ( During registration, the information you enter in the Personal Information section will determine whether or not you qualify. For assistance or questions, please call customer service at 800-435-9138.

» 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


"Organization is essential in running a solo bankruptcy practice. 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."

Pat McMahon
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 you again."

David Silverman
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 and assistance."

Sacramento, California

"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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