LIST OF CREDIT COUNSELING AGENCIES APPROVED PURSUANT TO 11 U.S.C., SECTION 111
APPROVED BANKRUPTCY COUNSELORS
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires those filing bankruptcy to obtain credit counseling from an approved agency in the six months immediately prior to filing bankruptcy. A certificate of completion obtained from the credit counseling service must be submitted with the bankruptcy petition.
The cost for the credit counseling varies -- from a low $20 to much higher. Some counseling agencies provide online counseling, meaning that one can complete the counseling requirement online and receive a certificate of completion by mail.
The list of approved credit counseling agencies is always changing, with counseling services being added and deleted on a regular basis. To find a certified counseling agency in your state and area, visit the Department of Justice website. The link is
