Nonprofit
Bankruptcy Counseling
Certified
HUD-Approved Housing Counseling Agency
NFCC Member
501(c)(3) Nonprofit
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No Obligation
No Pressure
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Explore our free financial calculators to better understand your debt, compare potential debt relief options, including bankruptcy, and make informed decisions about your financial future.
Always Free
No Obligation
Confidential
For Educational Guidance
Estimated Available Equity
Estimated Monthly Payment Option
Interest Rate Range
Speak with a certified housing counselor to review your situation, questions, and next steps.
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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.
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No. You're welcome to speak with a certified credit counselor at any point, before or after consulting an attorney.
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You can skip the wait. Call us at 888-425-3453 during business hours and you'll speak with a certified counselor right away, no appointment needed.
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Most sessions take up to 60 minutes, depending on your situation, questions, and the info you provide. We'll guide you through every step.
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Bring a list of all debts, recent pay stubs, tax returns, bank statements, and any legal notices you have received. Your counselor will guide you on additional documents needed for your specific situation.
Yes, Credit.org offers convenient online bankruptcy counseling and debtor education courses. Our Pre-Bankruptcy Credit Counseling course begins online, followed by a required one-on-one session with a certified credit counselor to review your financial situation and explore potential options. Our Post-Bankruptcy Debtor Education course can be completed entirely online, with counselors available to answer questions or provide additional support whenever needed.
Filing your bankruptcy petition triggers what the bankruptcy code calls an automatic stay, and it takes effect immediately, without a judge having to approve anything first. Once it's in place, creditors generally can't keep calling you, file or continue a lawsuit against you, or garnish your wages. The stay isn't unlimited, a few actions like certain child support proceedings aren't covered, and it can be lifted early in specific situations, but for most unsecured creditors it's the main reason people say bankruptcy finally gave them room to breathe.
Private & confidential
Educational guidance
HUD-approved agency
No sales pressure
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