Online Pre-Filing Bankruptcy Course

Please be aware that the counseling is not considered complete and no certificate will be issued until a certified counselor has reviewed your results and discussed those results with you.

Certificates issued at completion of this course are only valid in bankruptcy districts in Georgia and the Middle district in Alabama. If you register for a bankruptcy course and subsequently choose to file in a district not served by this agency, your certificate will be invalid and you will not receive a refund from this agency.

Each client must use a different e-mail address and password.

Pre-Bankruptcy Counseling Disclosure

We understand that you are here because you are experiencing financial problems, and that you may be considering filing bankruptcy and are required to receive counseling before you may file.

During the counseling session, we will provide you with information about bankruptcy, its process and possible consequences. We will also consider alternatives to bankruptcy to resolve your problems. It is our view that the purpose of this session is to provide you with information so that YOU may choose the option that you think is best. At the conclusion of this session, you will be provided with a certificate that you will need should you decide to file for bankruptcy. The certificate is valid for up to 180 days from the date the counseling is completed.

The consumer credit counselor conducting or supervising this session has been trained and certified in accordance with the National Foundation for Credit Counseling standards, and while he/she has expertise in helping those with financial problems, he/she cannot provide you with legal advice. In fact, this session is designed to provide you with information and alternatives; it is not intended to take the place of a consultation with an attorney to explore your legal rights and options. Nothing herein shall apply to actions or claims under the provisions of the United States Bankruptcy Code, 11 U.S.C. 101 et seq.

In order to assist you, it is essential that you provide us with information that is as accurate and complete as possible. Rest assured that the information containing your financial condition and status that you provide during this session is strictly confidential. Such information would include, but is not limited to, income, debts, credit accounts, earnings, assets and employment data. We will not disclose any such information that you provide orally or in writing to anyone, except as authorized by you in writing or as required by law, such as in response to a subpoena.

We may compile data and aggregate information that you give to us, but this information will not be disclosed in any manner that would personally identify you. This agency will not disclose or provide any information about this session to a credit reporting agency.

To help cover the cost of providing this session to you, this agency charges fees based on your ability to pay utilizing a sliding fee scale, your gross income compared to federal poverty guidelines, and the number of persons in your household. The maximum fee an individual can be charged is $50. In certain circumstances, you may be able to have this fee waived, as services may be provided without regard to your ability to pay.

Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s services.