DOJ-Approved Credit Counseling Agencies
65 organizations across 49 states. Pre-bankruptcy credit counseling agencies approved by the U.S. Department of Justice.
About This Category
Before filing for bankruptcy (Chapter 7 or Chapter 13), federal law requires you to complete a credit counseling session with a DOJ-approved agency within 180 days of filing. These agencies evaluate your financial situation, discuss alternatives to bankruptcy, and help you develop a budget. Many also offer debt management plans (DMPs) as a bankruptcy alternative.
Certification
Each agency is approved by the U.S. Trustee Program under 11 U.S.C. § 111. Agencies must be nonprofit, provide services regardless of ability to pay, and have their curricula reviewed and approved. Fees are typically $10-50, with waivers available for those who cannot afford to pay.
Who Should Use This
Anyone considering filing for bankruptcy (required pre-filing step), anyone struggling with unsecured debt who wants professional guidance on alternatives, or anyone seeking a structured debt management plan.
Jump to State
Nationwide Providers (32)
These organizations serve all U.S. states and territories.
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedTake Charge America, Inc.
Also HUD-ApprovedAlaska (41)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedArizona (38)
Allen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedArkansas (43)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedCredit Counseling of Arkansas, Inc.
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedCalifornia (44)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedColorado (38)
Allen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedConnecticut (39)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedDelaware (38)
Allen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedDistrict of Columbia (41)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedFlorida (46)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedGeorgia (42)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedHawaii (40)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedIdaho (38)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedIllinois (43)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedIndiana (41)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedIowa (41)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Credit of Des Moines
Credit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedKansas (40)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedKentucky (41)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedLouisiana (43)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMaine (40)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMaryland (39)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMassachusetts (38)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMichigan (40)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMinnesota (43)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Credit of Des Moines
Credit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMississippi (41)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMissouri (44)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedCredit Counseling of Arkansas, Inc.
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMontana (37)
Allen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNebraska (41)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNevada (38)
Allen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNew Hampshire (38)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNew Jersey (40)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNew Mexico (40)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNew York (42)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNorth Dakota (40)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedOhio (43)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedOklahoma (41)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedCredit Counseling of Arkansas, Inc.
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedOregon (36)
Allen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedPennsylvania (43)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedRhode Island (38)
Allen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedSouth Carolina (39)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedSouth Dakota (42)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedTennessee (41)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedTexas (43)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedUtah (38)
Allen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedVermont (40)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedVirginia (41)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedWashington (42)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedWest Virginia (42)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedWisconsin (43)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedWyoming (40)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedConsumer Debt Counselors, Inc.
Also HUD-ApprovedCredit Advisors Foundation
Also HUD-ApprovedCredit Counseling Center
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSpringboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedRelated Resources
Frequently Asked Questions
Is credit counseling required before filing for bankruptcy?
Yes. Federal law (11 U.S.C. § 109(h)) requires you to complete a credit counseling session with a DOJ-approved agency within 180 days before filing for Chapter 7 or Chapter 13 bankruptcy. You must file a certificate of completion with your bankruptcy petition.
How much does pre-bankruptcy credit counseling cost?
Typically $10-50. However, agencies are required to provide services regardless of your ability to pay. If you cannot afford the fee, ask about a fee waiver — agencies must consider waiver requests.
Can I do credit counseling online or by phone?
Yes. Many DOJ-approved agencies offer telephone and internet-based counseling in addition to in-person sessions. The service method column on this page indicates which delivery methods each agency supports.
What is the difference between credit counseling and debtor education?
Credit counseling is required BEFORE filing for bankruptcy — a counselor reviews your finances and discusses alternatives. Debtor education is required AFTER filing — a course that covers budgeting and financial management. They are provided by different sets of approved agencies.
What happens during a credit counseling session?
A counselor will review your income, expenses, debts, and assets. They'll discuss whether bankruptcy is the best option or if alternatives like a debt management plan might work. The session typically takes 60-90 minutes. You'll receive a certificate of completion to file with your bankruptcy petition.