TOLL FREE: 1-866-729-0049
MONDAY - FRIDAY: 8:00am - 9:00pm (ET)
SATURDAY: Closed
  • Nonprofit 501(c)(3) organization
  • Over 1,000,000 sessions completed since 2006
  • Free educational resources
  • Bilingual certified counselors available
  • Same prices for single & joint filers
  • USA-based staff

COUNSELING ALSO AVAILABLE BY PHONE: 1-866-729-0049
Pre-Filing: $50 Pre-Discharge: $25

ABOUT US

Why we're the best choice for you...

Welcome to InCharge Debt Solutions bankruptcy education website. We work hard to provide the best possible experience for you during the bankruptcy process. Our counseling sessions and bankruptcy education receives high marks from past students on ease of use, visual aids, and ability to complete in a timely manner.

We know that the decision to file for bankruptcy is not an easy one, but we also know that many bankruptcy filers go on to achieve financial prosperity. That’s our goal for you, and as counselors and educators, we’re giving you the knowledge you need to get started toward that new life.

InCharge Debt Solutions is approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code (approval does not endorse or assure the quality of a provider's services).

For those who complete Pre-Discharge Debtor Education, we are pleased to provide you with our free e-book, “After Bankruptcy: What You Need to Know” and free access to Grab Todd’s Cash, a financial literacy game that is fun for the whole family.

FAQs

You've got questions? We've got answers...

How much does bankruptcy counseling and bankruptcy education cost?
Pre-Filing Online Counseling $25   Telephonic $50
Pre-Discharge Online Debtor Education $15   Telephonic $25

Married couples filing jointly only pay one fee provided they are counseled together.
What are the system requirements for Pre-File Credit Counseling and Pre-Discharge Debtor Education?
For optimal performance, we recommend using a desktop computer or laptop.
Can the sessions be completed on a smartphone or tablet?
Though our courses may work on some smartphone and tablet devices, we highly recommend that the courses are completed on a desktop computer or laptop.
I am having issues viewing content on your site.
If you are experiencing issues viewing content such as buttons or drop-downs on our site, you may need to use the compatibility view in your browser. Most browsers have a compatibility view mode that can be accessed through the Tools or Options menus of the browser.
How is pre-file counseling and pre-discharge education offered?
Pre-file counseling sessions are offered online or by telephone. 
Is InCharge approved to issue certificates that satisfy the court requirements for a bankruptcy proceeding?
Yes, InCharge Debt Solutions is approved to issue certificates evidencing completion of personal financial management instructional counseling sessions in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a provider’s services.
What forms of payment do you accept?
Payments are accepted online or over the phone. We accept major credit cards, debit cards, money orders, and ACH (electronic checks).
How long does it take?
The pre-filing credit counseling session takes a minimum of 60 minutes to complete. The pre-discharge debtor education takes a minimum of 2 hours. The time requirements conform to the EOUST (Executive Office for U.S. Trustees) program guidelines.
Where does the client go for pre-file counseling and pre-discharge education?
The client can be counseled online at www.personalfinanceeducation.com or by calling 866-729-0049 to sign up for the telephonic sessions.
When is the certificate of completion available?
Clients receiving the online pre-filing credit counseling are required to contact us after completing the online session to get certified. The certificate is delivered via the client’s preferred method of delivery immediately after the cal or chat. (Please note: if it's a joint filing, we will need to speak with each individual to issue both certificates). Clients taking online Pre-Discharge Debtor Education will automatically receive their certificate within 24 to 48 business hours of course completion via their preferred method of delivery.
Who will receive the certificate of completion?
The certificate(s) can be sent to the client and attorney via email, fax or US postal service. These preferences are specified by the client during the registration process.
Can joint bankruptcy filers have a counseling session together?
Yes
Can another person purchase pre-file counseling or pre-discharge bankruptcy education for me?
Yes, another person, such as your spouse or attorney may purchase the session for you. You or a family member can select the “Personal/Family Member Purchase” option during the online purchase process.
Can another person attend the pre-file counseling or pre-discharge bankruptcy education session for me?
No, however, you may obtain assistance from a friend, family member or attorney.
How long is my certificate good for?
Pre-Filing Credit Counseling- The certificate expires 6 months from the date issued. Pre-Discharge Debtor Education- In most cases, the certificate needs to be presented in courts within 45 days of the original filing date. For further explanation on this matter, it’s best to speak to your attorney.
Do I need to follow up with my attorney once my certificate has been sent?
Once the certification process has been completed, InCharge Debt Solutions will fax, mail or email a copy of the certificate to the individual(s) as requested by the client during the registration. The client is solely responsible for following up with his/her attorney to ensure that the certificate has been received. InCharge Debt Solutions will not be held liable for certificates that are lost in transition; however, we will resend the certificate at the client's or attorney’s request.
How do I rebuild credit after bankruptcy?
Visit After Bankruptcy for information on how to rebuild your credit and pay off debts not discharged in bankruptcy.

CONTACT US

We'd love to talk to you...
1-866-729-0049
bankruptcy@incharge.org
InCharge Debt Solutions
5750 Major Blvd. Suite 300
Orlando FL 32819