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.
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 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.
Financial Stability After Bankruptcy
You’ll see gradual improvements in your credit score and a path toward lasting financial stability. We help you rebuild responsibly and avoid setbacks, so you can regain peace of mind and a fresh financial future.
Navigate the Bankruptcy Process with Bankruptcy Counseling
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.
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.
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.
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.
Is Credit.org Approved by the U.S. Trustees or Administrator?
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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.
Do I Need to Meet with an Attorney First?
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No. You’re welcome to speak with a certified credit counselor at any point, before or after consulting an attorney.
How Long Do I Wait for a Counseling Appointment?
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No wait! Call us at 888-425-3453 during business hours to speak with a certified counselor right away, no appointment needed.
How Long Does a Bankruptcy Counseling Session Take?
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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.
Dive Into Our Bankruptcy Blogs for Deeper Insights
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