DOJ-Approved Credit Counseling Agencies

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.

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.

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.

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.

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.