Veteran-Led SAM.gov Active SBA Certified VOSB

Variant B — Engraved Certificate + Photography: Built on the same design system as Variant A, this direction layers in warm, human photography to balance institutional credibility with approachability. The hero pairs the headline with a framed duotone photograph — treated in the brand’s navy-and-gold grade with the trustee seal stamped over its corner like a notary mark — suggesting a fresh start at the kitchen table rather than a courtroom. A new mid-page section, “Every certificate is reviewed by a real counselor,” showcases candid photography of the actual Credit Advisors team alongside the review process and certificate delivery options, turning the required phone review into a differentiator: real people, not just a portal. The images shown are art-directed placeholders demonstrating the treatment — final photography would feature warm, genuine imagery of real clients and staff. This variant trades some of A’s graphic austerity for emotional warmth, and is the stronger choice if the client wants the site to feel personal and supportive at first glance.

U.S. Trustee approved agency* Serving families for 50+ years Counselor-reviewed certificates 1 (800) 625-7725 EN · ES · 한국어
Court-required bankruptcy courses, online

Two required courses.
One trusted place.

Complete your pre-filing credit counseling and post-filing debtor education online, at your own pace — $25 per household per course, with a counselor review and certificate delivery by email, mail, fax, or secure portal download.

0+Years of counseling
$0Per household, per course
0/7Online course access

Courses offered in English and Spanish. Korean is available as a staff-assisted course. Course availability and support options may vary by language — contact us for language assistance.

Placeholder — final photography
A fresh start, at your kitchen tableWarm, real-people photography in a navy-gold duotone — no gavels, no courthouses.
The two required steps

Which course do you need right now?

Step 1 · Before you file

Pre-Filing Credit Counseling

$25 per householdApprox. 60 minutes

Complete your required credit counseling online before filing for bankruptcy. Single and joint clients pay the same course fee.

Start Pre-Filing Course
Step 2 · After you file

Post-Filing Debtor Education

$25 per householdApprox. 2 hours

Complete your required financial-management education online after filing for bankruptcy. Single and joint clients pay the same course fee.

Post-filing course is not available for Oregon residents.

Start Post-Filing Course
How it works

Done in three simple steps

1

Register online

Create your account in a few minutes — no paperwork, no office visit. Your attorney can also register you and cover the fee.

2

Take the course

Work at your own pace, day or night, from any device. Pause and pick up right where you left off.

3

Counselor review & certificate

After you complete the course, a Credit Advisors counselor will contact you by phone to review your information. Once the required review is complete, your certificate can be delivered by email, mail, fax, or secure portal download.

Need help with the fee?

Fee waiver or reduced-fee options may be available for eligible clients. Contact Credit Advisors before enrolling to request assistance.

Ask about fee assistance
Placeholder — final photography
Real counselors, on the phoneCandid photography of the actual Credit Advisors team.
A person, not just a portal

Every certificate is reviewed by a real counselor

After you complete the course, a Credit Advisors counselor will contact you by phone to review your information. Once the required review is complete, your certificate can be delivered your way:

  • Email
  • Mail
  • Fax
  • Secure portal download
Call 1 (800) 625-7725
From people we’ve helped

A hard moment, made simpler

★★★★★

“The course was informative and easy to follow, and I loved that it fit my schedule. I would recommend it to others.”

Judy M.
★★★★★

“I wish I’d had this knowledge a long time ago. It should be a course in every school.”

David K.
★★★★★

“Thank you for helping me rebuild my life and my credit history.”

Stephen J.
For bankruptcy attorneys

Your client. Your office. You’re in control.

A free attorney account gives your office one place to manage every client’s counseling requirements:

  • Register clients and track course status in real time
  • Download client certificates directly from your account
  • Purchase and manage payment codes online
  • Client materials in English and Spanish, with Korean staff-assisted support

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