Millions of Americans each year have financial problems. This website will help you understand your options for managing your money and your bills, and if necessary, filing for bankruptcy.

Welcome

Under federal law, you are required to obtain credit counseling from a qualified non-profit agency before filing for bankruptcy.  This website will allow you to complete the counseling requirement online, and receive your certificate of counseling at no charge.

This website is provided as a public service by ConsumerBankruptcyCounseling.info, a project of Tides Center.  Using this service does not place you under any obligation.

This program has recently received authorization from the Executive Office for United States Trustee United States Department of Justice to service those counties within the jurisdiction of the United States Bankruptcy Court for the Northern, Eastern, Central and Southern Districts of California.

Do not use this website if you live anywhere outside the State of California, as you cannot receive a valid certification from this website at this time for any state other than the State of California.

Start your free, pre-filing counseling session.


Free Pre-Filing Bankruptcy Counseling and Certificate
Free online bankruptcy counseling for Northern California