Pre-Filing Credit Counseling

The Pre-Filing Bankruptcy Credit Counseling Course is offered by and is approved* to issue certificates in compliance with the Bankruptcy Code

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires people who plan to file for bankruptcy protection (with limited exception) to take a credit counseling course within 180 days before they file.

We offer the course online and it is an interactive class that takes approximately an hour and fifteen minutes. Your progress is saved. You may log out at any time. When you return, your course will continue where you left off.

After finishing the online class, a certified credit counselor** will review your information. Clients will receive an email from the credit counselor with personalized recommendations and a Financial Analysis.

To complete the course, you must log back into the website to review the Financial Analysis and respond to the credit counselor.

$$$$$Simple Class, Inc. has obligation to provide a certificate to the client promptly upon the completion of counseling services.**

The pre-bankruptcy counseling fee is $19.95*** for individuals or joint filers (no additional fee for spouse or certificates).

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Take the course on your own time at your convenience.


*Approval does not endorse or assure the quality of an Agency’s services.
**Credit counselors review client’s information and issue certificates within the business hours of 8:30 am to 4:30 pm MST, Monday through Friday with the exception of national holidays. Note: We do not change to daylight savings time.
***Some consumers will qualify for a fee waiver.