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:
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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.
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.
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. (CESI) is a non-profit service provider of comprehensive personal financial education and solutions for all life stages and for all of life’s milestones. Our goal is enhanced economic security for everyone we serve.
CESI is NOT A LOAN COMPANY