Pre-Bankruptcy Credit Counseling

Before you can file a Chapter 7 or Chapter 13 bankruptcy case, you must complete a mandatory credit counseling consultation

The following is a list of approved pre-bankruptcy credit counseling providers for Chapter 7 or Chapter 13 cases. We recommend that your complete the counseling in person or by telephone, not online. For the most up-to-date information, you can visit the website of the United States Trustee at www.usdoj.gov/ust.

1st Choice Credit Counseling & Financial Education a/k/a DBSM, Inc.
2049 Marco Drive
Camarillo, CA 93010
877 692 5669
www.mybknow.com

A 123 Credit Counselors, Inc
703 Waterford Way (NW 62nd Ave.)
Suite 220
Miami, FL 33126
305 269 9201
www.a123cc.com English and Spanish
888 412 2123 English and Spanish

Abacus Credit Counseling
15760 Ventura Boulevard
Suite 700
Encino, CA 91436
800 516 3834 English and Spanish
www.abacuscc.org English and Spanish

Advantage Credit Counseling Service, Inc.
River Park Commons
2403 Sidney Street, Suite 400
Pittsburgh, PA 15203
888 511 2227
www.advantageccs.org

Advisory Credit Management, Inc.
5769 West Sunrise Blvd.
Plantation, FL 33313
800 786 3940
www.advisorycreditmanagement.org English and Spanish

Affinity Federal Credit Union
73 Mountain View Blvd.
Basking Ridge, NJ 07920
800 325 0808
www. affinityfcu.org

Allen Credit and Debt Counseling Agency
195 Brook Street
Wessington, SD 57381
888 415 8173 English and Spanish (Interpreter Only)
www.acdcas.com English and Spanish (Interpreter Only)

Alliance Credit Counseling, Inc.
13777 Ballantyne Corporate Pl.
Suite 100
Charlotte, NC 28277
888 594 9596 English and Spanish
www.knowdebt.org English and Spanish

American Consumer Credit Counseling, Inc.
130 Rumford Avenue
Suite 202
Newton, MA 02466
866 826 6924 English and Spanish
www.consumercredit.org English and Spanish

American Debt Resources, Inc.
248C Larkfield Road
East Northport, NY 11731
800 498 0766 English and Spanish
www.americandebtresources.com

American Financial Solutions of North
Seattle Community College Foundation
2815 2nd Avenue
Suite 280
Seattle, WA 98121
800 894 7240 English and Spanish (Interpreter Only)
www.myfinancialgoals.org

Best Credit Service, Inc.
10700 Meridian Avenue, N.
Suite 502
Seattle, WA 98133
877 929 2378
www.bestcs.org

Biblical Financial Concepts, Inc.
124 Oak Ridge Drive
Oneonta, AL 35121
205 421 1590
www.biblicalfinancialconcepts.org
www.standsurecc.org / 866 232 3600

BKEDCERT.com a d/b/a of Pacific Rim
Institute for Development and Education, Inc.
6230 Wilshire Blvd.
Suite 1763
Los Angeles, CA 90048
800 845 7171 English and Spanish
www.bkedcert.com
www.PacificRimCounseling.com

Black Hills Children’s Ranch, Inc.
1644 Concourse Drive
Rapid City, SD 57703
605 348 1608
www.pioneercredit.com English and Spanish
800 888 1596 English and Spanish

Bridging the Gaps
15700 W. Ten Mile Road
Suite #104
Southfield, MI 48075
313 887 7775 English and Spanish
www.gracefulfinancial.com

CCCS of Ventura County, Inc. /
SurePath Financial Solutions
80 North Wood Road
Suite 200
Camarillo, CA 93010
877 615 7873 English and Spanish
www.surepath.org English and Spanish

Chautauqua Opportunities, Inc.
17 West Courtney Street
Dunkirk, NY 14048
716 366 3333 English and Spanish
www.chautauquaopportunities.com

Children’s and Family Service
d/b/a Family Service Agency
535 Marmion Avenue
Youngstown, OH 44502
330 782 5664 English and Spanish
www.familyserviceagency.com

ClearPoint Financial Solutions, Inc.
8000 Franklin Farms Drive
Richmond, VA 23229
804 222 4660
www.clearpointfinancialsolutions.org English and Spanish
877 422 9044 English and Spanish

Colorado Credit Counselors
8650 Fairall Road
Morrison, CO 80465
303 551 5599
www.cocredit.org
800 569 9269

Community Credit Counselors, Inc.
101 N. Lynnhaven Road
Suite 303
Virginia Beach, VA 23452 7523
800 531 5124
www.bankruptcyinfo.org

ConsumerBankruptcyCounseling.info,
a Project of the Tides Center
1014 Torney Avenue
San Francisco, CA 94129
415 561 6300
www.tidescenter.org
www.consumerbankruptcycounseling.info

Consumer Credit and Budget Counseling, Inc.
299 South Shore Road
US Route 9 South
Marmora, NJ 08223
609 390 9652
www.cc bc.com
www.prebankruptcy.org / 888 738 8233

Consumer Credit Counseling Service of Buffalo, Inc.
40 Gardenville Parkway
Suite 300
West Seneca, NY 14224
716 712 2060
www.cccsbuffalo.org
www.cccsbuff.org English and Spanish
800 926 9685 English and Spanish

Consumer Credit Counseling Service
of Central New York, Inc.
5794 Widewaters Parkway
Syracuse, NY 13214
800 479 6026
www.credithelpny.org

Consumer Credit Counseling Service
of Greater San Antonio
6851 Citizens Parkway
Suite 100
San Antonio, TX 78229
210 979 4300 English and Spanish
www.cccssa.org

Consumer Credit Counseling Service
of Maryland & Delaware, Inc.
757 Frederick Road
2nd Floor
Baltimore, MD 21228
800 642 2227
www.cccs inc.org

Consumer Credit Counseling Service
of Orange County
1920 Old Tustin Avenue
Santa Ana, CA 92832
888 289 8230 English and Spanish
www.ccsoc.org

Consumer Credit Counseling Service
of Rochester, Inc.
50 Chestnut Plaza
Rochester, NY 14604
888 724 2227 English and Spanish
www.cccsofrochester.org English and Spanish

C onsumer Credit Counseling Service
of San Francisco
595 Market Street
Suite 1500
San Francisco, CA 94105
800 777 7526 English and Spanish
www.cccssf.org

Consumer Credit Counseling Service of the Midwest, Inc.
4500 East Broad Street
Columbus, OH 43213
800 355 2227
www.cccservices.com

Consumer Credit Counseling Service of West Florida, Inc.
14 Palafox Place
Pensacola, FL 32502
800 434 02680 343 3317

Consumer Debt Counselors, Inc.
22 S. Pennsylvania Avenue
Suite 100
Winter Park, FL 32789
407 599 0057 English and Spanish
www.consumerdebtcounselors.com
800 820 9232

Consumer Financial Education Foundation of America, Inc.
2 North 20th Street
Suite 1030
Birmingham, AL 35203
205 321 2822
www.cfefa.org
866 684 8171

CredAbility, Consumer Credit Counseling
Service of Greater Atlanta, Inc.
270 Peachtree Street NW
Suite 1800
Atlanta, GA 30303
866 672 2227 English and Spanish
www.credability.org English and Spanish

Credit Advisors Foundation
1818 South 72nd Street
Omaha, NE 68124
402 393 3100
www.creditadvisors.org
www.yourbankruptcypartner.com
800 625 7725 English and Spanish

Cricket Debt Counseling
10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR 97015
866 719 0400 English and Spanish
www.cricketdebt.com English and Spanish

Debt Education and Certification Foundation
112 Goliad Street
Suite D
Benbrook, TX 76126
866 859 7323 English and Spanish
www.debt foundation.org

DebtorWise Foundation
1310 Honeoye Falls Rd., #6
Honeoye Falls, NY 14472
585 385 6699
www.debtorwise.org English and Spanish

Debt Reduction Services, Inc.
6213 N. Cloverdale Road
Suite 100
Boise, ID 83713
208 378 0200
www.debtreductionservices.org
877 688 3328 English and Spanish

Family Financial Education Foundation
24 Front Street
Suite 340
Evanston, WY 82930
307 789 2010
www.ffef.org
888 292 4333 English and Spanish

Forbes & Newhard Credit Solutions, Inc.
7505 Tiffany Springs Parkway
Suite 130
Kansas City, MO 64153
816 442 7036
forbescs.us
866 351 0322

Garden State Consumer Credit Counseling, Inc.,
d/b/a Novadebt www.novadebt.org

225 Willowbrook Road
Freehold, NJ 07728
732 409 6281
www.novadebt.org
800 992 4557 English and Spanish

Granite Lake Educational Resources

111 West Cataldo
Suite 200
Spokane, WA 99201
509 325 2511
www.backtogo.org
866 366 0599 English and Spanish

GreenPath, Inc.

38505 Country Club Drive, Suite 210
Farmington Hills, MI 48331 3429
800 630 6718 English and Spanish
www.greenpathbk.com

HomeFront Inc.

560 Delaware Avenue
Suite 101
Buffalo, NY 14202
716 856 2952 English and Spanish
www.homefrontbflo.org

Hummingbird Credit Counseling and Education, Inc.

3737 Glenwood Avenue
Suite 100
Raleigh, NC 27612
800 645 4959 English and Spanish
www.hbcce.org English and Spanish

InCharge Education Foundation, Inc.

5750 Major Blvd
Suite 310
Orlando, FL 32819
866 729 0049
www.inchargefoundation.org
www.personalfinanceeducation.com English and Spanish

Institute for Financial Literacy, Inc.

449 Forest Avenue
Portland, ME 04101
207 879 0389
www.financiallit.org / 866 662 4932

iPayDebt Financial Services, Inc.
d/b/a Cornerstone Financial Education

3011 North Lamar Boulevard
Austin, TX 78705
512 263 0532
www.ipaydebt.com
800 336 1245
www.csfedu.org

Money Management International, Inc.

9009 West Loop South
Suite 700
Houston, TX 77096 1719
877- 964 2227 English and Spanish
www.moneymanagement.org English and Spanish

MoneySharp Credit Counseling Inc. www.moneysharp.org

2713 N. Central Park
Chicago, IL 60647
866 200 6825
www.moneysharp.org English and Spanish

National Financial Literacy Foundation, Inc.

555 Winderley Place
Suite 300
Maitland, FL 32751
877 380 6353 English and Spanish
www.learnfinances.org English and Spanish

Neighborhood Housing Services of South Buffalo, Inc.

1937 South Park Avenue
Buffalo, NY 14220
716 823 3630
www.nhssouthbuffalo.org

SafeGuard Credit Counseling Services, Inc
112 Parkway Dr. South
Hauppauge, NY 11788
800 673 6993
www.safeguardcredit.org

SK Foundation
60 E. Hopkins Road
Gilbert, AZ 85295
877 376 7122
www.myonlinebankruptcyclass.com English and Spanish

Springboard Nonprofit Consumer Credit Management, Inc.
4351 Latham Street
Riverside, CA 92501
951 781 0114
www.bkhelp.org;www.bancarrota.org English and Spanish
888 425 3453 English and Spanish

Take Charge America, Inc.
20620 North 19th Avenue
Phoenix, AZ 85027 3585
623 266 6100
www.takechargeamerica.org
866 750 9634 English and Spanish

The Kingdom Ministries, Inc.
6094 Apple Tree Drive
Suite 11
Memphis, TN 38115
901 552 5131
www.thekingdomministries.com

The Mesquite Group, Inc.
600 Six Flags Drive
Suite 400
Arlington, TX 76011
817 769 4069
www.themesquitegroup.org
877 769 4069 English and Spanish