Understand What
Qualifies You for Bankruptcy

Learn how bankruptcy can provide relief, protect your assets, and set you on a path toward financial stability. Not all situations qualify for bankruptcy. Our counselors explain what qualifies you, assess your finances, and outlines your options like Chapter 7, Chapter 13, or Chapter 11 bankruptcy. Find out which path best aligns with your goals for debt relief.
888-425-3453

How Bankruptcy Counseling Works

Before
Filing Bankruptcy

Before filing, you’ll complete a pre-filing session with our certified counselor. As an EOUST-approved agency, Credit.org provides personalized guidance and a tailored budget to help you make confident, informed financial decisions.

After
Filing Bankruptcy

After filing, you’ll complete a post-filing session with our EOUST-approved counselors. We focus on practical financial strategies and budgeting tools, empowering you to rebuild and manage your finances with confidence and control.

Financial Stability After Bankruptcy

With expert guidance on budgeting and timely payments, you’ll see gradual improvements in your credit score and a path toward lasting financial stability.

Navigate the Bankruptcy Process
with Bankruptcy Counseling

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Identify Your Options,
Make Informed Choices

Get clarity on Chapter 7, Chapter 11, and Chapter 13 bankruptcy options. We help you understand each type so you can select the best path forward based on your financial goals and needs.

Protect Your Assets,
Secure Essential Needs

Our counselors guide you through filing for bankruptcy while keeping essential assets like your car. We’ll help you navigate protections to maintain stability during and after the process.
Bankruptcy (3)-min
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Rebuild Credit,
Achieve Financial Stability

Access resources and tools to rebuild your credit post-bankruptcy. We provide strategies to help you restore creditworthiness, ensuring a strong foundation for future financial health.
888-425-3453

Step-by-Step
Bankruptcy Process

Step 1:

Eligibility
Assessment

We assess if bankruptcy is the right option based on your situation, providing clarity on qualifications and necessary documentation.
Step 2:

Select the Right
Bankruptcy Type

Our counselors explain Chapter 7, Chapter 11, and Chapter 13 options, helping you choose based on your debt, assets, and financial goals.
Step 3:

Filing and
Asset Protection

Get guidance on filing and protecting essential assets. We cover steps like how to keep your car and answer questions about filing costs.
Step 4:

Credit Recovery
and Financial Planning

Access tools and guidance to rebuild credit after bankruptcy, so you can work toward financial health and stability.

See How We’ve Guided Clients
Through Bankruptcy Counseling

Our bankruptcy counseling has helped clients break free from overwhelming debt and regain financial stability. With our guidance, you'll learned to make better decisions, and rebuild credit.
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Financial Tools Made to Help You Navigate Bankruptcy

Armed with the right tools, managing and improving your credit becomes a seamless task. Effective budget counseling is key to credit health. Our resources and tools guide you in allocating funds wisely, reducing debts, and positively impacting your credit score.
Explore Our Resources

Bankruptcy FAQ's

Is Credit.org approved by the Executive Office for United States Trustees or Bankruptcy Administrator?

Yes. Credit.org is approved to issue Pre-filing Credit Counseling and Pre-discharge Debtor Education certificates in compliance with the bankruptcy code. Approval does not endorse or assure the quality of an agency’s service.

Do I need to meet with an attorney before I can speak to a counselor at Credit.org?

No, you can talk to a counselor at credit.org before or after you meet with an attorney.

How long will I have to wait for a bankruptcy counseling appointment?

We have counselors standing by to take your calls. No appointment is necessary. Simply call us at 1-888-425-3453 to speak directly to a bankruptcy counselor. (see our business hours)

How long does the bankruptcy counseling session usually take at Credit.org?

Under the bankruptcy law, The Executive Office for United States Trustees requires that you participate in a counseling session that may take up to 90 minutes or longer. Sessions may be shorter or longer, depending on your situation, amount of information to be gathered, number of questions you ask, etc.

Dive Into Our Bankruptcy
Blogs for Deeper Insights

What Is Bankruptcy and How Does It Work?

How to Choose the Right Type of Bankruptcy?

Is Bankruptcy Right for Me?

Read more bankruptcy blogs
Credit.org is not a loan company. We do not loan / lend money.
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Credit.org is an independent nonprofit financial counseling agency and is not affiliated with any mortgage, lending or servicing provider. The content, links and resources in this site are presented for informational purposes only and should not be construed as legal or tax advice.

Credit.org is not a credit repair company.
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Credit.org does not offer credit repair services. Our focus is on providing educational resources, counseling, and support to help individuals improve their financial health and achieve their homeownership goals. We do not engage in activities that promise to remove or alter negative credit information from credit reports.
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