Key Takeaways About a Bankruptcy Credit Counseling Course
- Before filing for bankruptcy, you must complete a bankruptcy credit counseling course. You’ll need to include your certificate of completion in the paperwork you file with the courts when filing for Chapter 7 or Chapter 13 bankruptcy.
- Only DOJ-approved agencies (like Evergreen Financial Counseling) can issue the certificate. The bankruptcy credit counseling course must follow federal guidelines, but multiple providers offer courses. This means the information is consistent, but the support and delivery can vary widely by provider.
- Evergreen Financial Counseling is a nonprofit approved by the U.S. Department of Justice to issue the certificate required before filing bankruptcy. Our certified counselors are trained under federal guidelines and have helped over 100,000 people prepare to file.
Before you can file for bankruptcy, there’s one hoop you’ve got to jump through: You must take a bankruptcy credit counseling course from an approved provider. Yes, it’s mandatory. But it’s also quick, straightforward, and surprisingly helpful.
In fact, most people finish the course in under 90 minutes and walk away thinking, “Huh. That wasn’t so bad.”
Here’s the short version of what you need to know about the course:
- You can’t file for bankruptcy without completing a bankruptcy credit counseling course
- The course must come from a provider approved by the Department of Justice
- You can take it online or by phone
- It costs around $10–$50 (and discounts are often available)
- It’s not a test. You literally can’t fail.
Let’s break down what it is, why it matters, and how to avoid the common mistakes people make before filing.
What Is Bankruptcy Credit Counseling?
The bankruptcy credit counseling course is a mandatory, one-time course required under federal law for anyone filing Chapter 7 or Chapter 13 bankruptcy. The goal is to make sure you understand your financial situation and explore your options before filing.
You’ll go over:
- Your income and monthly expenses
- What you owe (debts and balances)
- Options like debt management, settlement, or bankruptcy
You’ll also speak with a certified counselor at the end to confirm your information and receive your certificate of completion.
Why Is a Course Required Before Filing for Bankruptcy?
The requirement was added in 2005 under the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). Congress wanted to ensure that people filing for bankruptcy had a chance to evaluate non-bankruptcy alternatives first.
But here’s the truth: More than 90% of people who take the course still go on to file.
The course doesn’t try to talk you out of bankruptcy. Rather, it helps you see the numbers clearly and decide with confidence.
If you have questions about the bankruptcy credit counseling course, you’ve come to the right place. To help you navigate the process, we’ve organized our most frequently asked questions into easy-to-browse sections:
- Course Basics: Understand what the course covers, how it works, and what to expect.
- Rules, Laws, and Requirements: Learn about the legal guidelines that make the course mandatory and what deadlines matter.
- Logistics and Access: Find out how to take the course, what you’ll need, and what happens afterward.
- Cost and Providers: Compare pricing, learn how to choose a provider, and explore discount options.
- Legal and Emotional Support: Get answers to common concerns around judgment, legal advice, and personal support.
- Situational and Special Cases: Explore joint filings, military access, language options, and other unique situations.
Browse the full FAQ library to get clarity, avoid missteps, and move forward with confidence.
Course Basics: What the course is, why it matters, and how it works.
FAQ: What is the bankruptcy credit counseling course?
The bankruptcy credit counseling course is a short educational session that you are required to complete before filing for bankruptcy. It was created as part of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 and is overseen by the U.S. Department of Justice. Completing this course is step one in the bankruptcy process, and you can’t file without it.
Only organizations that are officially approved by the Department of Justice can offer this course. Evergreen Financial Counseling is one of those approved providers.
Evergreen offers the course online or by phone, followed by a brief consultation with a certified counselor who answers your questions and helps clarify next steps.
Once you finish, you’ll receive a certificate of completion, which is required for your attorney to file your case and for the court process to begin.
If you decide to move forward with bankruptcy after taking the course, your attorney will file your paperwork (including your certification of completion), and your case will begin.
FAQ: Why is credit counseling required before filing bankruptcy?
Credit counseling became a mandatory first step in 2005, when Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). The goal was to make sure that anyone considering bankruptcy had access to basic financial education and a clear understanding of their options before taking such a big step.
But beyond the legal requirement, there’s a human reason for it. Many people who take the course are overwhelmed, exhausted, and unsure of what to do next. Credit counseling offers a chance to pause and look at the numbers. It gives you a clear picture of your income, your debts, and what paths are available, including non-bankruptcy options like debt management or settlement.
The course doesn’t push one choice over another. In fact, it often confirms what people already suspect: that bankruptcy may be the cleanest, most strategic way forward.
According to data from the U.S. Trustee Program, more than 90 percent of people who complete the course go on to file for bankruptcy. That doesn’t mean the course is a formality. Instead, it means it helps people validate what they’re already experiencing.
They’re not lazy or irresponsible: They’re in a situation that bankruptcy was built to solve.
For many, this is the first time they’ve looked at their finances without shame clouding their judgment. At Evergreen Financial Counseling, we talk to about 1,000 people every week who are considering bankruptcy. Most of them tell us that the course gives them hope, and that after taking the course, they wish they had decided to file for bankruptcy sooner.
FAQ: What is the purpose of the bankruptcy credit counseling course?
The purpose of the bankruptcy credit counseling course is to make sure you get clear, honest information before making a decision to file bankruptcy. Bankruptcy isn’t the right answer for everyone, so the course exists to help you evaluate your financial life so that you can determine what your next step is. The course introduces other options, like debt management, debt consolidation, or debt settlement.
Beyond that, it helps you take a look at your income, your debts, and your monthly expenses. You’ll see the numbers laid out clearly, often for the first time in a long time.
What the course doesn’t do is try to steer you toward one choice or another. It’s not there to talk you out of bankruptcy. It’s there to give you clarity.
Most people start the course feeling overwhelmed. They leave with a sense of direction and some hope. And more than 90 percent of people who take the course go on to file bankruptcy. That’s not because the course pushes them. It’s because it confirms what they already know deep down: this situation calls for a reset.
FAQ: Do I really have to take the course before filing for bankruptcy?
Yes. The bankruptcy credit counseling course is legally required before you can file for bankruptcy. This rule has been in place since 2005, when the Bankruptcy Abuse Prevention and Consumer Protection Act was passed. The purpose is to ensure that you’ve reviewed all your options ( including bankruptcy, debt settlement, debt consolidation, and other non-bankruptcy alternatives) before making a final decision.
It’s a short class, usually under 90 minutes, and you can take it online or by phone. Once you finish, you’ll receive a certificate that your attorney needs to include when they file your case. Without that certificate, filing isn’t even an option. The course is meant to give you clarity and protect you from making rushed decisions under stress.
FAQ: What’s the difference between the pre-filing credit counseling course and the post-filing debtor education course?
These two courses are both required by law before filing bankruptcy, but they happen at different stages of the bankruptcy process and serve different purposes:
- The credit counseling course happens before you file. It helps you assess your financial situation and decide whether bankruptcy is the right move.
- The debtor education course happens after you file. It gives you the tools to rebuild your finances and avoid future debt.
Here’s a simple breakdown:
| When You Take It | Purpose | Content Focus | |
| Credit Counseling (Pre-filing) | Before your case is filed | Helps you understand your options and decide if bankruptcy makes sense | Budget review, debt options, overview of Chapters 7 & 13 |
| Debtor Education (Post-filing) | After your case is filed, before discharge | Helps you build financial habits for a stronger future | Budgeting, credit basics, saving, long-term planning |
FAQ: How long does the bankruptcy credit counseling course take?
60 to 90 minutes
Most people finish it in one sitting, either online or by phone. That’s a small investment of time compared to the hours, days, or even years many spend feeling overwhelmed by debt.
FAQ: Is the course interactive or just a video?
It depends on the provider. Some use interactive platforms that include short quizzes, videos, or click-through sections. Others offer the course in a straightforward, text-based format that you read at your own pace. There are pros and cons to both, based on your specific needs and learning style. Some people prefer a more engaging format with video and prompts. Others like to read quietly and absorb the information at their own pace. Both styles meet the legal requirement, so it comes down to how you learn best.
| Feature | Text-Based Format | Interactive Format | Evergreen Financial Counseling |
| Content Delivery | Reading passages only | Videos, quizzes, click-through navigation | Online reading or phone-based audio |
| Learning Style | Quiet, self-paced learners | Visual and interactive learners | Choose based on your preference |
| Final Step | Submit answers for review | Submit answers and sometimes quizzes | Live call with a certified counselor |
| Device Compatibility | Often desktop-friendly | Often mobile and desktop-friendly | Works on mobile, tablet, and desktop |
| Customization | Minimal | Medium to high | Flexible format, no pressure |
At Evergreen Financial Counseling, for example, you can choose between taking the course online or listening to it by phone. Either way, you will be asked to list your expenses and create a budget. You will finish with a one-on-one conversation with a certified counselor, which gives you a chance to ask questions and talk through your financial picture.
FAQ: What kind of financial advice does a bankruptcy credit counseling course give?
The advice provided in the bankruptcy credit counseling course is neutral and educational. Credit counseling agencies are regulated by the federal government and are not allowed to sell you anything or provide advice during the course. Instead, they help you understand your current situation and what your options are.
You’ll go over your income, debts, and monthly expenses. The counselor may explain debt management or repayment plans, but they won’t recommend one over another. And they absolutely won’t pressure you to avoid bankruptcy or talk you out of filing. In fact, that’s against the rules.
FAQ: What kinds of questions are asked during the course?
The questions in the bankruptcy credit counseling course are simple and practical: things like your monthly income, how much you spend on rent, groceries, and utilities, and what debts you owe. It’s all budget basics. There are no trick questions and no wrong answers. Rough estimates are fine: You don’t need to dig up exact numbers or tax returns. The goal is to help you see your financial picture clearly, not to quiz you or make you feel bad.
You might also be asked about your financial goals or what you’ve tried so far, like debt consolidation or borrowing from family. But again, there’s no judgment. This is about understanding where you are, so you can decide what to do next.
FAQ: Will this course teach me how to fix my credit?
Most credit counseling courses don’t directly address how to fix your credit, and that includes the credit counseling course offered by Evergreen. The main purpose of the bankruptcy credit counseling course is to help you understand your financial picture and consider your legal and repayment options. You’ll learn how your income and debt affect your budget, and that insight alone can help you make smarter choices going forward.
If you’re looking for more detailed support, Evergreen does offer free credit education after bankruptcy through an online course called 7 Steps to a 720 Credit Score. That’s where you can learn how to rebuild your credit score, use new credit lines strategically, and avoid the most common mistakes people make after filing. You’ll be automatically enrolled in this course 30 days after you’ve completed your debtor education course through Evergreen.
Here is a comparison of the credit education available from credit counseling companies:
| Provider Type | Credit Counseling Course Only | Offers Credit Education After Bankruptcy |
| Typical Provider | ✓ | X |
| National Brands | ✓ | X |
| Evergreen Financial Counseling | ✓ | ✓ |
FAQ: What’s the difference between a credit counselor and an attorney?
A credit counselor helps you evaluate your finances and make a personal decision as to whether you want to move forward with bankruptcy. A bankruptcy attorney helps you file bankruptcy and navigate the legal system.
| Role | Credit Counselor | Bankruptcy Attorney |
| Main Purpose | Helps you evaluate your finances and explore all your options | Helps you file for bankruptcy and navigate the legal process |
| Focus | Income, debts, expenses, and financial decision-making | Legal strategy, case filing, and court representation |
| Can They Give Legal Advice? | No. They can’t give legal advice. | Yes. They guide you on legal rights and bankruptcy laws. |
| Role in the Process | Helps you decide whether to pursue bankruptcy | Helps you file and complete the bankruptcy process |
| Required for Filing? | Yes. You must complete the counseling course before filing | No. You are allowed to file bankruptcy without an attorney. This is called filing pro se. |
Rules, Laws, and Requirements: Legal framework, timing rules, and federal mandates.
FAQ: What law created the credit counseling requirement for bankruptcy?
The credit counseling requirement was created by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA). This law was signed by President George W. Bush and aimed to ensure that people filing for bankruptcy fully understood their financial situation and available alternatives before moving forward. Lawmakers claimed the goal was to reduce abuse of the bankruptcy system by encouraging personal responsibility and requiring education, though critics argue it made filing harder for people who were already struggling.
Either way, the result is that now, anyone filing for bankruptcy must complete a credit counseling course from a U.S. Trustee-approved agency before submitting their case.
FAQ: Who regulates the bankruptcy credit counseling process?
The U.S. Department of Justice regulates the bankruptcy credit counseling process through its Office of the U.S. Trustee. This oversight ensures that all approved credit counseling agencies meet strict standards for accuracy, fairness, and consumer protection. The U.S. Trustees are responsible for overseeing the integrity of the bankruptcy system, and part of that job includes making sure counseling providers give honest, helpful guidance, not scams or sales pitches. This regulation helps protect people in vulnerable situations from being taken advantage of during an already difficult time.
FAQ: Do I need to take the bankruptcy credit counseling course before both Chapter 7 and Chapter 13 bankruptcy?
Yes, you need to take the bankruptcy credit counseling course before filing Chapter 7 and before filing Chapter 13 bankruptcy.
The bankruptcy credit counseling course is a federal requirement under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. Anyone filing for personal bankruptcy, whether it’s Chapter 7 or Chapter 13, must complete the course before submitting their case to the court.
This rule applies to everyone. More than 500,000 people file for bankruptcy in the U.S. each year, and every single one of them must complete this course, with a few rare exceptions detailed in the next FAQ. But 99.99 percent of the time, whether you’re trying to wipe out debt through Chapter 7 or restructure it under Chapter 13, the credit counseling course is your first required step.
FAQ: Are there exceptions to the credit counseling requirement?
Yes, there are exceptions to the credit counseling requirement, but they’re rare. If you can prove that you are unable to complete the course due to a documented mental illness or disability, the requirement can be waived. If you are on active duty in a combat zone and unable to complete the course due to your service, you may qualify for an exception. If you have exigent circumstances, such as stopping a foreclosure or wage garnishment, but couldn’t complete the course in time, you might qualify.
Even then, the judge must approve the exception. These are not automatic, and you may still be required to finish the course shortly after filing.
According to the U.S. Trustee Program, the vast majority of bankruptcy filers—more than 99 percent—do not qualify for an exception. So unless your situation fits one of these very specific categories, you’ll need to complete the course.
And if you think you might qualify for an exception, talk to your attorney before filing. The rules are strict, and missing the deadline can lead to your case being dismissed.
FAQ: Is the pre-bankruptcy credit counseling course mandatory in every state?
Yes, the pre-bankruptcy credit counseling course is required in every state because it is part of federal bankruptcy law. No matter where you live, you must complete this course before you can file for bankruptcy. That said, providers must be approved to offer the course in your specific state, so make sure the agency you choose is licensed to operate where you’re filing. This ensures that your certificate will be accepted by the court.
FAQ: Do I need to take the bankruptcy credit counseling course again if I’ve filed bankruptcy before?
Yes, you will likely need to take the credit counseling course again if you’re filing for bankruptcy a second time.
That’s because the course certificate is only valid for 180 days, about six months. So even if you’ve filed bankruptcy in the past and took the course then, you’ll still need to retake it if you’re filing again and more than six months have passed.
Here’s why: The course is meant to give you a current picture of your finances. Your income, your debts, your expenses: they change over time. The court wants you to have up-to-date information so you can make informed decisions right now, not based on where you were a year or five years ago.
The only exception is if your bankruptcy paperwork is filed within 180 days of your last certificate, and even then, you’ll need to make sure that your personal information matches and the certificate is still valid.
If you’re unsure, ask your attorney or check with the nonprofit agency that issued your last certificate. Evergreen Financial Counseling can quickly let you know whether your certificate is still good … or help you get recertified if needed.
FAQ: What happens if I file without taking the counseling course?
If you try to file for bankruptcy without completing the bankruptcy credit counseling course, the bankruptcy court will reject your case, no matter how urgent your situation is.
According to Debt.com, 8-10% of Chapter 7 bankruptcy cases are denied or dismissed, and around 30% of Chapter 13 bankruptcy cases are denied or dismissed for failure to meet requirements or deadlines, including missing mandatory credit counseling.
One client called the day before a wage garnishment was set to hit. She thought she could file immediately, but hadn’t taken the course. She took the course through Evergreen Financial Counseling, and her certificate was issued immediately.
Unfortunately, by the time the bankruptcy paperwork was filed, it was too late to stop that paycheck from being taken.
We’ve seen others miss key deadlines, lose wages to garnishment, or face foreclosure delays simply because they hadn’t completed this one required step.
The certificate of completion is what allows your bankruptcy filing to move forward. Without it, the legal system won’t even review your case.
FAQ: Can my bankruptcy be denied if I don’t complete the course properly?
Yes, there are several situations where your bankruptcy can be denied if the credit counseling course isn’t completed correctly. Your bankruptcy can be denied if you don’t complete the course in full, if information (like your Social Security Number) is incorrect on your certificate, or if your certificate has expired.
If your case is denied for one of these reasons, it’s usually fixable. You can correct the mistake and refile your paperwork, although there may be additional court fees or delays.
A couple of final tips:
- Number one, make sure you take the course from a nonprofit agency approved by the Department of Justice. Evergreen Financial Counseling is one of those agencies.
- Number two, don’t wait until the last minute. Give yourself time in case something needs to be corrected.
FAQ: What happens if my certificate expires before I file?
If your certificate expires, you’ll need to retake the course. Credit counseling certificates are only valid for 180 days, which means your attorney must file your bankruptcy case within six months of completing the course.
This timeline is set by federal law and applies to everyone. Even if your situation hasn’t changed and your information is the same, the court won’t accept an expired certificate.
If you’re getting close to the 180-day mark and haven’t filed yet, contact your provider to schedule a retake. Most agencies will let you go through the course again at a discounted rate, and the process will likely feel faster the second time around since you’ve already done it once. Evergreen Financial Counseling waives the fee entirely for redoing the course due to expired certificates.
To avoid delays or extra fees, try to take the course when you’re confident you’ll be ready to file soon.
FAQ: How long is the certificate valid?
The certificate is valid for 180 days, or about six months. That means your bankruptcy case must be filed within that time window. If you wait too long and try to file after the certificate expires, the court will reject your case, and you’ll have to retake the course.
This is one of the most common issues people run into when they delay filing. Life gets busy, plans shift, and before you know it, the clock runs out. To avoid issues related to timing, don’t take the course too early unless you’re confident you’ll be filing soon. If you’re unsure, talk to your attorney or your credit counseling provider for guidance.
FAQ: What if I don’t take the course?
Your bankruptcy will be denied or delayed. Even if your paperwork is ready, the court will reject your case if your bankruptcy credit counseling course hasn’t been completed. This can lead to:
- Wage garnishment
- Foreclosure proceeding
Missed deadlines and added court fees
Logistics and Access: How to take the course, what you’ll need, and what happens after.
FAQ: What information do I need to complete a bankruptcy credit counseling course?
To complete the bankruptcy credit counseling course, you’ll need a computer, telephone, or smartphone, as well as basic information about your income, monthly expenses, and debts. It doesn’t have to be perfect: Rough estimates are fine. The goal is to help you understand your financial picture, not to audit your records.
Tip: Make sure the provider is approved by the Department of Justice to offer certificates in the state where you’re filing. Evergreen Financial Counseling, for example, is approved in all states except Alabama and North Carolina.
FAQ: What happens after I complete the course?
After you complete the course, you’ll receive a certificate of completion that must be filed with the court as part of your bankruptcy case. If you’re working with an attorney, they’ll usually submit it for you. Most people say that finishing the course gives them a sense of momentum and hope for the future.
FAQ: Can I stop halfway and come back later?
Usually yes, but it depends on the provider. Most credit counseling courses are structured like online videos or webinars. If you’re taking the course online, many platforms let you pause and return when you’re ready, similar to streaming a show.
Still, it’s important to check. Some providers automatically log you out after a certain period of inactivity, and a few may require you to complete sections in one sitting. Evergreen’s online course allows for breaks, and most people finish it in one session. That said, the phone session needs to be finished in one setting.
FAQ: Can I take the credit counseling course online or by phone?
Yes, many providers offer the credit counseling course online or by phone.
Evergreen Financial Counseling offers both an online and a phone option, both available 24/7. Most people prefer the online option because it’s more private and can be done at their own pace.
FAQ: What if I don’t have internet access or a computer?
Many providers, including Evergreen Financial Counseling, can complete the credit counseling course by phone if you don’t have internet access. That said, many public libraries and community centers offer free computers and Wi‑Fi, so if you’d rather take the course online, it’s worth calling around to find a nearby location that can help. And if you need your own device, nonprofits like PCs for People, Free Geek, and Computers with Causes may be able to provide a free or low-cost laptop so you’re not stuck without the tools you need.
FAQ: Can I take the course from another state?
Yes. The course is based on federal law, so it doesn’t matter where you live. You can take the bankruptcy credit counseling course from any state, as long as the provider is approved to issue certificates for the state where you’ll be filing your case.
This is especially useful if you’re traveling, living in one state but filing in another, or just prefer a provider that’s based elsewhere. For example, someone living in Nevada might choose a provider based in Texas, as long as that provider is approved for Nevada filings.
Before signing up, check the DOJ website or call the provider to confirm they’re approved in your filing state. Location doesn’t limit your access, but approval status does.
Evergreen Financial Counseling is approved in all states except North Carolina and Alabama.
FAQ: How do I file my certificate with the courts?
If you’re working with an attorney, they will usually handle submitting your certificate as part of your bankruptcy filing. If you’re filing on your own, you’ll need to either upload the certificate to the court’s electronic filing system or deliver a printed copy to the bankruptcy clerk’s office. Either way, make sure the certificate is submitted within 180 days of completing the course, or it will expire.
If you’re going through the process without a lawyer, be sure to read our article about filing bankruptcy without an attorney. It walks you through what to expect and how to stay on track.
FAQ: What if I already took the course but lost my certificate?
If you lose your certificate, don’t worry. Most providers can resend it quickly. Contact the agency where you completed the course and request a new copy. You’ll likely need to confirm your identity and the date you completed the course. Once verified, they’ll email or mail you a replacement.
FAQ: Can I retake the course if needed?
Yes. If something goes wrong or you need to take the course again, most providers allow you to restart or repeat the course with no penalty. Sometimes people get interrupted, lose access to the internet, or simply need a fresh start. Some providers will let you pick up where you left off.
Evergreen Financial Counseling will allow you to retake the course at any time, without additional cost.
FAQ: Can I fail the bankruptcy credit counseling course?
No, you cannot fail the bankruptcy credit counseling course. It’s not a graded course. Rather, it’s a course that you are required to complete, and then you are issued a certificate if you complete the course in full.
FAQ: Is there a test at the end of the course?
No. There’s no test at the end of the bankruptcy credit counseling course, and you cannot fail. Some providers include short reflection questions, but these are not graded and do not affect your ability to complete the course or receive your certificate.
FAQ: Can I take the course before I’m ready to file?
Yes. You can take the course even if you haven’t decided whether to file yet. In fact, the purpose of the course is to help you evaluate your financial situation and see what options are available, including, but not limited to, bankruptcy.
Some people take the course while they’re still on the fence, or while they’re saving up for attorney fees. If you take the course and decide not to file, that’s okay. But if you do decide to file, just make sure your certificate is still valid when the time comes. You’ll need to file within 180 days of completion.
FAQ: Can I switch providers if I don’t like the course?
Of course! That said, if you switch providers, you’ll have to start the course over. Because each provider issues their own certificate, and because the law requires that the course be completed with a DOJ-approved agency, there’s no way to transfer your progress from one platform to another.
FAQ: What happens after I complete a bankruptcy credit counseling course?
Once you finish:
- You’ll receive a certificate of completion. Evergreen will also provide your certificate to your attorney.
- If you’re working with an attorney, they’ll submit it with your bankruptcy paperwork. If you’re filing pro se (on your own), you’ll need to submit the certificate to the court.
Your bankruptcy case cannot move forward without this certificate.
Cost and Providers: Choosing a provider, understanding costs, and payment logistics.
FAQ: How much does the bankruptcy credit counseling course cost?
Most credit counseling courses cost between $10 and $50. Most agencies offer:
- Fee waivers for low-income individuals
- Discounts if you qualify under the federal poverty guidelines
Evergreen Financial Counseling charges $19.99 and offers free credit education after bankruptcy, something most agencies don’t offer.
FAQ: Do all providers charge the same amount?
No, the cost of the course can vary depending on the provider. Here is a comparison of credit counseling course costs.
| Provider Type | Cost | What’s Included |
| Low-Cost Providers | $10–$20 | Basic course, may offer limited support or access |
| Standard National Providers | $25–$50 | Course plus phone or chat support, no extras |
| Evergreen Financial Counseling | $19.99 | Full course, certified counselor support, plus free credit education after bankruptcy |
FAQ: Can I get a discount on the course?
Yes, you may be eligible for a discount or a full fee waiver on the course per federal law. Individuals with income between 100% and 150% of the federal poverty level automatically qualify for a $5 discount. If your income falls below 150%, you may qualify for a full fee waiver. To confirm eligibility, you’ll be asked to provide income documentation such as recent paystubs, W-2s, or a tax return.
FAQ: Can I apply the course fee to my attorney bill?
In most cases, no. The course is provided by a third-party agency, not by your bankruptcy attorney, so the fee is usually paid separately. Think of it like paying for a lab test before a medical procedure. It’s a required step, but it’s handled by a different provider.
That said, some law firms do partner with credit counseling agencies like Evergreen Financial Counseling. In those cases, the course may be bundled into your legal package or prepaid by your attorney. Evergreen works with attorneys across the country who include the course as part of their services to make the process easier for clients.
If you’re already working with an attorney, it’s worth asking whether they’ve already covered the cost or recommend a specific provider, but unless you’ve been told otherwise, plan to pay the course fee directly to the agency offering it.
FAQ: How do I choose a credit counseling provider?
Look for one that’s approved by the Department of Justice, is upfront about costs, and has positive reviews. Make sure that the provider is approved in your specific state. This matters because even if a company is nationally recognized, your certificate won’t be accepted unless they’re authorized in the state where you’re filing.
The U.S. Trustee Program currently approves 161 credit counseling agencies authorized to issue the mandatory pre‑bankruptcy counseling certificates under federal law. Evergreen Financial Counseling stands out for its transparency, affordability, and added value. In addition to the required course, Evergreen offers free credit education after bankruptcy. Evergreen is approved in every state except Alabama and North Carolina (pending).
Here’s how Evergreen compares to a few major national providers:
| Evergreen Financial Counseling | GreenPath | InCharge Debt Solutions | Consolidated Credit | |
| DOJ‑Approved | Yes | Yes | Yes | Yes |
| Course Fee | $19.99 | $50 | $25 | $25–$55 |
| Free Credit Education | Yes | No | No | No |
FAQ: How do I know if a provider is legitimate?
If you’re about to take the bankruptcy credit counseling course, make sure the provider is approved by the Department of Justice. Courts will not accept certificates from providers that aren’t officially approved, so before you sign up, do a quick check to verify that the course is legitimate.
You can find the official list on the DOJ website. While the provider doesn’t have to be located in your state, it does need to be approved to operate in your state. That part matters.
If the provider isn’t on the list, don’t take the course. It won’t count, and you could delay your entire bankruptcy case.
Evergreen Financial Counseling is authorized to issue certificates in all states except North Carolina and Alabama, both of which are under review.
FAQ: Is it better to choose a local or national provider?
Either is fine. The most important thing is that the provider is approved by the Department of Justice to offer the course in your state. Here’s an example: If you live in California, you can take the bankruptcy credit counseling course offered by a Texas provider, as long as that provider is approved to offer the course in California.
For instance, Evergreen Financial Counseling is approved to offer the bankruptcy credit counseling course to people filing bankruptcy in all states except Alabama and North Carolina.
| Local Providers | National Providers | Evergreen Financial Counseling | |
|---|---|---|---|
| Pricing | Varies; may be higher for in-person | Typically $10–$50 | $19.99 with discounts and fee waivers |
| Access & Availability | Business hours only | 24/7 access, more flexible for varied schedules | 24/7 online and phone access |
| Format | Often in-person or by phone | Mostly online or automated systems | Online or phone-based, with live support |
| Customer Support | Local phone support, more personal | Varies by provider | Live counselors trained for compassion |
| Familiarity | May be known in your community | Often recommended by legal aid or nonprofits | Trusted by attorneys and court partners |
| Certificate Validity | DOJ-approved, meets legal standards in your state | DOJ-approved, meets legal standards in many if not all states | DOJ-approved in all states except North Carolina and Alabama |
| Follow-Up Resources | May be limited to course completion | Varies | Free credit education after bankruptcy |
FAQ: Can I get a refund if I decide not to file?
Maybe. The course is designed to give you information so you can decide whether bankruptcy is the right next step. Because of that, many providers don’t offer refunds once you’ve started.
That said, refund policies vary, so it depends on the provider. If you think there’s a chance you might change your mind, it’s worth asking about the refund policy before you pay. Some agencies may offer partial refunds or allow cancellations if the course hasn’t been completed yet.
And even if you didn’t ask ahead of time, there’s no harm in asking afterward, especially at Evergreen Financial Counseling. If you’d like to request a refund, give us a call or send us an email!
Legal and Emotional Support: Emotional concerns, judgment fears, and working with professionals.
FAQ: Will the course judge me?
No. The bankruptcy credit counseling course will not judge you. It’s designed to help you look at bankruptcy objectively, so you can make an informed decision based on facts, not fear or guilt.
FAQ: Will my answers be graded or evaluated?
The short answer is no. You’re not being graded. And no one is sitting there with a red pen deciding whether you did life right or wrong.
At Evergreen, we are deeply aware of the shame that often surrounds financial problems. People blame themselves, even when their debt came from job loss, medical bills, divorce, or just trying to survive. Shame keeps people stuck, and we don’t want that for you.
This course isn’t here to make you feel worse. Rather, it helps you create a picture of your financial situation so that you can consider your options with clarity.
One of our counselors at Evergreen said it best: “People come in expecting a lecture. What they get is a conversation.”
So if you’ve avoided this step because you’re afraid of feeling ashamed or being criticized, I want you to know: that’s not how this works. You don’t need perfect answers. You just need to be honest. We’ll meet you where you are and help you figure out what comes next.
FAQ: Does the course try to talk me out of filing?
No. The credit counseling course will not talk you out of filing for bankruptcy. In fact, there are rules around that. Credit counseling agencies are not permitted to give legal advice. That means the course can’t tell you whether or not to file for bankruptcy. Only your attorney can do that.
The purpose of the course is to help you understand your financial situation so you can make an informed decision. You’ll walk through your income, your expenses, your debt, and learn about the full range of options available, including bankruptcy.But no one is going to push you in one direction or another. You’ll take the course online or by phone, then speak with a certified credit counselor. They aren’t supposed to judge you or try to talk you into or out of anything. They’ll simply answer your questions and support whatever decision you make.
FAQ: What if I already talked to a lawyer? Do I still need the course?
Yes, you still need to complete the credit counseling course even if you’ve already spoken with or hired a bankruptcy attorney. Talking to a lawyer gives you legal advice and helps you understand the best strategy for your case. Credit counseling, on the other hand, is a separate legal requirement designed to help you understand your financial picture and explore any non-bankruptcy options. The law requires both.
| Requirement | Purpose | Who Provides It |
| Credit Counseling Course | Helps you understand your budget, debt, and options | A DOJ-approved nonprofit agency |
| Legal Advice | Helps you decide whether and how to file for bankruptcy | A licensed bankruptcy attorney |
FAQ: What’s the most surprising thing people learn in the course?
People are often shocked by how much interest they’ve been paying, sometimes thousands more than they expected. Others are surprised to realize how common their situation is, and how kind and judgment-free the counselors are. Many expect a lecture or a cold process, but what they get is support, warmth, and clarity.
One woman called Evergreen Financial Counseling after losing her husband and sinking into grief and debt. She had no income, was close to losing her housing, and felt completely alone. After taking the course and talking to Kelly Overton, Evergreen’s executive director, she began to understand that her situation wasn’t the result of bad choices: It was the result of life happening.
She told Kelly, “I’m out of my friend’s house, I have my own apartment, and I feel strong again.” She had expected to feel judged, but instead she felt seen and heard.
Kelly tells her counselors, “Speed is the last thing I care about. I’ll hire more counselors. Take your time.”
FAQ: Will the provider report anything to the IRS or creditors?
No. The course is completely confidential. Nothing you share during the credit counseling session is reported to the IRS, credit bureaus, or your creditors. In fact, providers are required by law to protect your personal information. The details you share about your income, debts, or financial situation stay between you and the agency.
They’re only used to help you understand your financial picture and complete the course requirements. Your creditors won’t know you’ve taken the course unless you tell them. It does not appear on your credit report. The only place your certificate goes is to your bankruptcy attorney or the court as part of your filing package.
FAQ: Is this course helpful if I already know I’m filing?
Yes. The counseling course is often the first time someone lays out their income, debt, and expenses in one place. That clarity can be powerful.
More than 500,000 people take this course every year, and most already know they plan to file. What they gain is validation, peace of mind, and a clear next step. Even when the decision is made, the process of reviewing your finances in a structured, nonjudgmental way can ease stress and help you move forward with confidence.
FAQ: Can I use the course to help decide whether to file bankruptcy?
Yes. Even if you’ve already decided to file, the bankruptcy credit counseling course can offer clarity and confidence. For many, it’s the first time they lay out all their income, expenses, and debts in one place.
This process often provides relief, structure, and a sense of momentum, especially when you’ve been overwhelmed.
FAQ: What if I make a mistake on the course?
No worries. You can still get your certificate. There are no wrong answers in the credit counseling course. The course is designed to help you understand your financial situation, not to test you. If you make a typo or estimate a number incorrectly, it won’t stop you from finishing. Most providers will allow you to revise your answers if needed, especially during the final review with the counselor.
FAQ: Is the bankruptcy credit counseling course confidential?
Yes. Nothing you share during the course is reported to creditors, credit bureaus, or the IRS. Providers are bound by federal privacy laws and cannot share your information without your consent.
FAQ: Is my personal information safe during the course?
Yes. If you choose a provider approved by the U.S. Department of Justice, your personal information is protected by both federal privacy laws and strict data security standards that are evaluated as part of the approval process.
These agencies must follow rules under laws like the Gramm-Leach-Bliley Act and maintain secure systems to prevent unauthorized access. That includes encrypting your financial data and limiting who can see your information.
Still, not all websites are equal. Avoid using unapproved or suspicious providers. If you’re unsure, check the DOJ’s official list of approved credit counseling agencies.
And as a best practice, don’t share your login info. Keeping your device and connection secure adds another layer of protection.
Situational and Special Cases: Circumstances, joint filing, and language access
FAQ: Can I take the course before hiring an attorney?
Yes, you can take the bankruptcy credit counseling course before hiring an attorney. Some people do this to start weighing their options or because they’re still saving up to pay for legal help.
If you don’t already have an attorney, Evergreen can connect you with a qualified bankruptcy lawyer in your area once you complete the course.
FAQ: What if I have a disability or need accommodations?
Credit counseling agencies approved by the Department of Justice are legally required to provide support for people with disabilities. That includes screen-reader compatible versions for people with vision impairments, captioned videos or transcripts for those who are deaf or hard of hearing, and extended time or simplified instructions for individuals with learning disabilities or cognitive challenges. If you need an accommodation, ask. Providers are used to it, and they’re there to help you.
FAQ: Can someone else take the course for me?
No. Federal law requires that the person filing for bankruptcy personally complete the counseling session. The purpose of the course is to help you understand your financial situation and the options available. That kind of insight only works if you go through the process personally.
The final step of the course includes a brief phone or online conversation with a certified credit counselor. During that call, they confirm your identity and walk through your information with you. Having someone else take it for you could result in your certificate being denied.
If you need help because of a disability or language barrier, most providers offer accommodations. If you’re unsure how to complete the course on your own, reach out to the provider. They’ll walk you through your options and help you get the support you need.
FAQ: Can both spouses take the course together?
If you are taking your course through Evergreen, the answer is yes. If you’re filing a joint bankruptcy case, you and your spouse can take the course together using the same account. Most providers make this easy to do.
We do this because it can make the process a lot smoother. You’ll review your household income, expenses, and debts as a team, which is especially helpful since joint filers usually share those responsibilities anyway. It means you’ll both hear the same information, receive one shared certificate, and talk through everything together during the follow-up call with a counselor.
If you’re not sure whether your specific provider allows joint participation, ask. Some may want both spouses on the final call, while others are more flexible. But in almost every case, you won’t have to pay twice or complete two separate courses.
So if you’re filing jointly, you can take this step together, and it might even make things feel a little less overwhelming.
FAQ: Can I take the course if I’m in the military or overseas?
Yes. Many DOJ-approved providers have designed their systems to accommodate service members, including those on military bases or stationed overseas.
You can usually access the course online 24/7, making it easier to work around different time zones. Some providers also offer phone-based options if internet access is limited. Evergreen Financial Counseling, for instance, offers 24/7 access to both its online and phone courses.
Make sure the provider is approved in the state where your bankruptcy will be filed. As long as that box is checked, you can take the course from anywhere in the world.
FAQ: Can the bankruptcy credit counseling course be taken in Spanish or other languages?
Yes. Many providers offer the credit counseling course in Spanish and other commonly spoken languages. Evergreen Financial Counseling, for example, provides access in both English and Spanish, and some providers go further by offering language options like Mandarin, Vietnamese, or Tagalog.
