DOJ-Approved Debtor Education Providers
126 organizations across 49 states. Post-filing debtor education courses required to complete the bankruptcy process.
About This Category
After filing for bankruptcy, federal law requires you to complete a debtor education course before your debts can be discharged. This is separate from the pre-filing credit counseling requirement. The course covers personal financial management topics including budgeting, money management, and the wise use of credit. Most courses can be completed in about 2 hours.
Certification
Each provider is approved by the U.S. Trustee Program under 11 U.S.C. § 111. Providers must offer instruction on budgeting, financial management, and the wise use of credit. Fees are typically $10-50, with waivers available. Alabama and North Carolina are excluded as they are administered by Bankruptcy Administrators rather than the U.S. Trustee.
Who Should Use This
Anyone who has filed for Chapter 7 or Chapter 13 bankruptcy and needs to complete the required post-filing financial management course to receive their discharge.
Jump to State
Nationwide Providers (38)
These organizations serve all U.S. states and territories.
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedSecond Bankruptcy Course, LLC
Take Charge America, Inc.
Also HUD-ApprovedAlaska (47)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedArizona (48)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedArkansas (52)
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 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedCalifornia (50)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, Inc.
Also HUD-ApprovedAmrane Cohen, Chapter 13 Standing Trustee
Consumer Debt Counselors, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedColorado (47)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedConnecticut (44)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedDelaware (45)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedDistrict of Columbia (49)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedFlorida (50)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedGeorgia (52)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedHawaii (47)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedIdaho (44)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedIllinois (53)
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-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-ApprovedSecond Bankruptcy Course, LLC
Six C's for Bankruptcy Programs
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedThomas H. Hooper, Chapter 13 Standing Trustee
Indiana (48)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Six C's for Bankruptcy Programs
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedIowa (47)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedKansas (45)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedKentucky (46)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedLouisiana (48)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMaine (44)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
Garden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMoney Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMaryland (46)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMassachusetts (44)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
Consumer Debt Counselors, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMichigan (45)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMinnesota (48)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMississippi (47)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMissouri (52)
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 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedMontana (44)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNebraska (46)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNevada (44)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNew Hampshire (44)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNew Jersey (48)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNew Mexico (47)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNew York (50)
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-ApprovedGarden State Consumer Credit Counseling, Inc., d/b/a Navicore Solutions
Also HUD-ApprovedMichael J. Macco, Chapter 13 Standing Trustee
Money Management International, Inc.
Also HUD-ApprovedParachute Credit Counseling, Inc.
Also HUD-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedNorth Dakota (48)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedOhio (56)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedOklahoma (48)
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 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedOregon (42)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedPennsylvania (50)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedRhode Island (45)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedSouth Carolina (45)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedSouth Dakota (47)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedTennessee (49)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedTexas (59)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedUtah (45)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedVermont (45)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedVirginia (45)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedWashington (48)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedWest Virginia (49)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedWisconsin (52)
Advantage Credit Counseling Service, Inc.
Also HUD-ApprovedAllen Credit and Debt Counseling Agency
American Consumer Credit Counseling, 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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedWyoming (49)
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-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-ApprovedSecond Bankruptcy Course, LLC
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Take Charge America, Inc.
Also HUD-ApprovedRelated Resources
Frequently Asked Questions
When do I need to take the debtor education course?
After filing your bankruptcy petition but before your debts are discharged. For Chapter 7, this is typically within 60 days of your first meeting of creditors. For Chapter 13, it's before the last payment under your plan. The court will not grant your discharge without the completion certificate.
How long is the debtor education course?
Most courses take approximately 2 hours to complete. They cover budgeting, money management, and the wise use of credit. Courses are available in person, online, or by phone.
Is this the same as the pre-filing credit counseling requirement?
No. Credit counseling (pre-filing) and debtor education (post-filing) are two separate requirements. You need both to complete the bankruptcy process. They may be offered by different agencies — make sure you use a provider approved for debtor education, not just credit counseling.
How much does debtor education cost?
Typically $10-50. Providers must offer fee waivers for those who cannot pay. Some bankruptcy attorneys include the cost in their fees or can recommend low-cost providers.
Why are Alabama and North Carolina not listed?
Alabama and North Carolina operate under Bankruptcy Administrators rather than the U.S. Trustee Program. The DOJ's approved provider lists cover only U.S. Trustee districts. Residents of those states should consult their local Bankruptcy Administrator's office for approved providers.