Working with a credit counsleor will help you pay off debt fast and manage your personal finances more efficiently. Our free credit advice is personalized to your unique situation.
The details on your credit report, like your credit score, directly impact your everyday financial well-being. Your credit score influences your ability to secure the best interest rates on loans, helps you qualify for housing, rentals or a mortgage, and even plays a role in obtaining employment for certain types of positions.
Your credit report can influence your ability to find housing, employment and secure a loan. Knowing your score and understanding your report are the first steps towards your financial health. Our certified financial counselors will guide you through your credit report, answer questions, and give personalized guidance towards improving your score.
Learn about the process of getting a bank account with BankOn. Learn all there is to know about opening a bank account and the responsible usage of the bank account.
Speak with a Debt Coach to review all your options and discuss the best strategies for getting debt relief. We’ll point you in the right direction, whether that’s DIY debt relief or a debt program, like Debt Management Plans or Debt Settlement.
Debt is common and manageable. Our certified financial counselors are standing by ready to answer your questions, provide guidance, and help you reach your financial goals. Speaking to one of our certified debt counselors is completely free. Our counselors will be able to review all of your options for getting out of debt and guide you toward the best path forward.
A financial counselor will help you determine whether a Debt Management Plan is your best path toward effectively managing debt levels. Once you enroll in a plan, we become your personal advocates, working closely with you and your creditors to pay off debt in a timely fashion.
Debt settlement is a process that allows you to pay off debt by paying a single lump sum that is lower than the total amount you owe. Settlements are achieved through negotiation between lenders and consumers or a third-party debt settlement company. Our counselors will help you assess if debt settlement is the best debt relief option for you.
Credit.org is an Executive Office for United States Trustees ‘EOUST‘ approved agency. Our experienced financial counselors work with people in all stages of their financial life, including the challenging decision of bankruptcy. Our cousnelors can help you obtain the certificate you need to file for bankruptcy or discharge debts in bankruptcy.
Whether you are current on your mortgage payments, experiencing a financial hardship, or ready to begin your homeownership journey, take action and reach out to a HUD Certified Housing Counselor today!
Work with our HUD Certified Counselors who will assess your current mortgage needs and help guide you to the options that are best suited for your specific situation.
If you are 62 or older, have equity in your home, and are considering a Reverse Mortgage loan, it is important to speak with one of our HUD Certified Counselors to understand the benefits and risk of this product.
Our award-winning counselors are here to help prepare you to own a home. We provide education, resources, and guidance to make your home buying process efficient, stress-free, and rewarding.
Don’t start your home buying journey without getting the facts first! Whether you’re a first-time home buyer or someone looking to get back into home ownership, you will need a well laid plan. Our HUD-approved Home Buyer Classes will help you navigate the home buying process and equip you with useful tools & resources for purchasing a home.
If you are seeking guidance regarding renting, call us to speak with one of our financial counselors who will help you develop a budget, create a detailed action plan, and who can provide you with local, statewide, and national resources.
Community Affordable Loan Solution™ is designed to create homeownership access for clients who have never envisioned themselves as a homeowner. Credit.org has partnered with Bank of America to assist first-time homebuyers with pre-purchase counseling and homebuyer education.
Credit.org has partnered with Federal Home Loan Bank of Atlanta to provide your pre-purchase or owner-occupied credit counseling.
Helping San Diego County, Riverside County & San Bernardino County residents CLIMB to financial freedom!
Navigate a New Beginning with Our Bankruptcy Counseling Service
Facing financial turmoil?
Credit.org’s bankruptcy counseling service provides a beacon of hope and a pathway to a fresh start. Specializing in bankruptcy education, we offer alternatives to those overwhelmed by debt. With expert advice and empathetic support, our service is designed to educate you through the bankruptcy counseling process, ensuring you clarity and confidence.
*Approval by the EOUST or Bankruptcy Administrator to issue bankruptcy certificates evidences completion of a budget and credit counseling and debtor education course in compliance with the Bankruptcy Code. EOUST or Bankruptcy Administrator approval does not endorse or assure the quality of an Agency’s service. **The EOUST or Bankruptcy Administrator has reviewed only the Agency’s counseling/instructional services and no other services the Agency may provide [28 C.F.R. section 58.20(l)(11)]. ***The Agency may disclose client information to the Executive Office for the United States Trustee in connection with the Executive Office of the United States Trustee’s oversight of the agency, the Bankruptcy Administrator, or during the investigation of complaints, during on-site visits, or during quality of service reviews.
Counseling Session 1
Before Filing Bankruptcy
Before filing for bankruptcy, individuals are required to complete a pre-filing bankruptcy counseling session with a certified credit counselor. Credit.org is an EOUST or Bankruptcy Administrator approved agency.
During this one-hour session, our counselors provide the required education regarding bankruptcy and also create an individualized family budget that assists the individual and/or family to better make sound financial choices in the future.
After filing for bankruptcy and before your debts can be discharged, individuals must receive financial education from an approved agency. During this required session Credit.org will cover a variety of topics focusing on financial and budgeting material. Our goal is to provide individuals and/or families with knowledge and tools for future management of personal finances.
Credit.org is an EOUST or Bankruptcy Administrator approved agency.
The cornerstone of our bankruptcy service is expert, personalized guidance. We navigate you through the required education needed when considering filing for bankruptcy, ensuring your journey is as smooth and informed as possible.
Tailored Bankruptcy Counseling
We provide education regarding bankruptcy and all alternatives available to help resolve difficult financial situations. We’ll help you understand your current financial standing.
Comprehensive Financial Assessment
Our bankruptcy counseling service includes a thorough financial review. By assessing your current circumstances, we will be able to determine options available for you.
Ongoing Support and Education
We believe in empowering you through education. Our service provides ongoing support and resources to help you understand the impacts of bankruptcy, paving the way for better financial management post-bankruptcy.
Key Aspects of Our Bankruptcy Counseling
Detailed Debt and Asset Analysis
A crucial step in our bankruptcy counseling is a detailed financial analysis of your debts and assets.
Personalized Client Action Planning
We include a personalized action plan tailored to align with your specific needs and goals, ensuring the most favorable outcomes.
A Path to Financial Relief and Recovery
Our counseling is designed to educate you on options to relieve you from crippling debt. We provide options, and a clear structured approach to help you find light at the end of the tunnel.
Beyond education, our bankruptcy counseling provides tools and educational resources. These are essential for understanding the bankruptcy process and for effective financial rebuilding post-bankruptcy.
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.
In-Depth Insights into Bankruptcy
Want to Understand More About Bankruptcy?
Our service offers a deep dive into the various aspects of bankruptcy, providing you with the knowledge to make informed decisions about your financial future.