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You must complete a credit counseling course before you file your bankruptcy case. The cost to receive counseling related to a Pre-Bankruptcy Certificate is $25.00 for both single and joint filings.

We accept Debit, Credit, Checks, PayPal, and prepaid Attorney codes online! Using one of these payment methods will allow you to complete the counseling session online immediately. Please continue by clicking next below to complete the account setup process first. Once your account is setup, please choose the payment method you would like to use on the payment page. Once your payment is approved you will be able to complete your counseling session and your certificate will be sent to you within an hour of completion during regular business hours.

We accept payments by phone once the account is setup. Please call a counselor after your account has been created online to process payment and get account approved to complete counseling. Once your account is approved over the phone you will be able to log in to your account and complete counseling today.

If you prefer to use a money order, MoneyGram, or Western Union we will contact you when we receive it and you can log in to your account to start the counseling session. Please setup your account and send your funds to the address below. Please include your name, phone number, address, and email so that we may contact you when it is received. You will receive an account number once you complete the account setup process. Please write this account number on the money order. Send funds to:

Credit Advisors Foundation
Bankruptcy Department
1818 South 72nd Street
Omaha, NE 68124

Please click next to continue setting up your account.

* For best results, do not use the Google Chrome browser to complete the counseling with this site.

This is a complicated area of law and an attorney should be consulted on all matters relating to bankruptcy. The information on this website is provided with the understanding that the authors and publishers are not herein engaged in rendering bankruptcy, legal, insolvency, tax, or other professional advice and services. As such, it should not be used as a substitute for consultation with professional bankruptcy, insolvency, tax, legal or other competent advisors. While we have made every attempt to ensure that the information contained in this website has been obtained from reliable sources, Credit Advisors Foundation and Arbor Investment are not responsible for any errors or omissions, or for the results obtained from the use of this information.