hassle-free-bankruptcy-certificatesSince 1996 Debt Reduction Services has been helping people complete pre-filing and post debtor education courses and earn their Bankruptcy Certificates from the comfort of their own home, and on their own timeframe. Thousands of clients, school students (elementary through college), nonprofit clients and members of the general public have gone through our classes, benefiting from helpful and motivational information and suggestions.

Pre-Filing Credit Counseling

If you are planning on filing for Chapter 7 or Chapter 13 bankruptcy, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 states that you must complete a Certified Pre-Filing Counseling Session with an approved Non-Profit counseling agency.

Your Pre-Bankruptcy Credit Counseling Course will:

  • Take place through a secured online application which you can pause and return to at your convenience.
  • Fulfill the Budget Briefing & Credit Counseling requirements.
  • Include registration, a disclosure agreement, options for payment, and an educational course which will last around an hour.
  • Include a Personalized Financial Summary and a list of debt options to consider once the online course is completed.
  • Upon completion of the course, you can talk to one of our Certified Credit Counselors to review the information and findings and receive the Certificate of Completion.
  • Learn More About the Pre-Bankruptcy Credit Counseling Course

Post-Filing Debtor Education

If you have recently filed Chapter 7 or Chapter 13 bankruptcy, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 states that you must complete a Certified Post-Filing Debtor Education Course with an approved agency.

Your Post-Filing Debtor Education Course will:

  • Take place through a secured online application which you can pause and return to at your convenience.
  • Instruct you on important financial subjects ranging from Household Budgeting to Risk Management and Consumer Protections.
  • Last the required 2 hours as specified by the 2005 Bankruptcy Act.
  • Give you helpful Tips and Suggestions designed to help you improve your financial situation.
  • Provide you (on completion) with the Certificate of Debtor Education via email for you to print and deliver to your legal counsel within 3 business days.
  • Learn More About the Post-Filing Debtor Education Course

About Debt Reduction Services

Debt Reduction ServicesSince 1996, we’ve been developing and providing financial education programs for our clients and communities, focusing on effective budgeting skills, spending behaviors, credit building, and debt elimination and prevention. Thousands of clients, school students (elementary through college), nonprofit clients and members of the general public have gone through our classes, benefiting from helpful and motivational information and suggestions.

Credit Counselors are certified through an independent credentialing body.

Debt Reduction Services takes part in the Better Business Bureau Online Reliability program and the Association of Credit Counseling Professionals. ACCPros is one of the credit counseling and debt management industry’s largest trade organizations and focuses on best practices, integrity, and compliance.

We are also members of the FCAA (Financial Counseling Association of America).

Approval does not endorse or assure of the quality of a Provider’s services.