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 resources that explain bankruptcy law in plain terms, then talk to a counselor about which chapter actually fits your debts, and whether bankruptcy is the right debt relief option for you.
Always Free
No Obligation
Confidential
For Educational Guidance
Estimated Available Equity
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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 90 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.
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Yes. We offer convenient online pre-filing credit counseling and pre-discharge debtor education sessions that you can complete from home at your own pace.
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, creditorsgenerally 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 belifted 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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