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Required Bankruptcy Courses

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bankruptcy courses

Complete Your Required Bankruptcy Courses Today

As one of the requirements from the Bankruptcy Abuse and Consumer Protection Act of 2005 (BAPCPA), consumers who file a Chapter 7 or Chapter 13 bankruptcy are required to complete Pre-Bankruptcy Credit Counseling and a Debtor Education Course.

Through the Start Fresh Today platform, Consumer Education Services, Inc. (CESI) is approved to issue bankruptcy certificates in compliance with the Bankruptcy Code. We never have any hidden fees, and we make it fast and easy to fulfill your bankruptcy requirements along with these benefits:

  • Online or By Phone
  • English or Spanish
  • Fast Certificate Delivery
  • Same Price for Single or Joint Filers
  • No Payment Due Until Certification
  • Mobile-Friendly Platform
  • NFCC Certified Counselors
  • Free Education & Resources

Take the next step and make your selection below:

Step 1: Credit Counseling Certificate

Before filing for bankruptcy, a Credit Counseling Certificate issued by an agency approved by the Executive Office of U.S. Trustees (EOUST) is a requirement. The Credit Counseling can be completed online or by phone and will then be reviewed by a counselor before a certificate is issued. The online option is $24.99 and $34.99 by phone.


Step 2: Debtor Education Certificate

After filing for a Chapter 7 or Chapter 13 bankruptcy and before your debts can be discharged in bankruptcy, a Debtor Education Certificate is also required. The Debtor Education Course can be completed online for $21.99 or for $34.99 by phone.


Have Questions? 

Our counselors will be happy to answer any questions you may have. We’re available Monday – Thursday from 9am to 8pm EST and Friday and Saturday from 9am to 6pm EST by calling (800) 435-9138.



Credit Counseling and Debtor Education 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 Education Services, Inc. empowers people to overcome their financial challenges and lead financially-healthy lives.


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Financial Information about this organization and a copy of its license are available from the State Solicitation Licensing Branch at 919-814-5400. The license is not an endorsement by the State. 

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