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.
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.
Take the courses the court requires — start in minutes.
Start here → I’m an attorney
Manage clients, codes, and certificates in one portal.
Attorney portal →
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.
Which course do you need right now?
Pre-Filing Credit Counseling
Complete your required credit counseling online before filing for bankruptcy. Single and joint clients pay the same course fee.
Start Pre-Filing CoursePost-Filing Debtor Education
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 CourseDone in three simple steps
Register online
Create your account in a few minutes — no paperwork, no office visit. Your attorney can also register you and cover the fee.
Take the course
Work at your own pace, day or night, from any device. Pause and pick up right where you left off.
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.
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:
- Fax
- Secure portal download
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.”
★★★★★“I wish I’d had this knowledge a long time ago. It should be a course in every school.”
★★★★★“Thank you for helping me rebuild my life and my credit history.”
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