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This is CENTS' ONLINE CREDIT COUNSELING CLASS FOR BANKRUPTCY FILERS.

PLEASE READ ALL OF THE FOLLOWING INSTRUCTIONS VERY CAREFULLY.


We cannot provide certificates for residents of Illinois, Massachusetts, and Oregon. If you live in one of these states, please find another provider at: https://ccdecert.ustp.usdoj.gov/ccdecert/. We also cannot provide certificates if you live in Alabama or North Carolina. If you live in one of these states, please contact the bankruptcy court in your state.


1. CENTS' ONLINE CREDIT COUNSELING CLASS FOR BANKRUPTCY FILERS OVERVIEW.

You take this course BEFORE you have filed for bankruptcy. (This is a pre-filing class.)

The course is approximately 60-90 minutes long and costs $25 per person. If you are part of a married couple, you will be required to register for and take this course separately, meaning you will each register on your own, creating your own password. You may not use the same email address. You pay through the PayPal website (connected from our website) and you do not need to be a PayPal member or use a credit card. You will use your email address and a password you create to access the program. You can complete the course at your leisure; you do not need to complete it all in one sitting.

The class has two parts. You complete part one and submit your certificate registration form. AT THE END OF THE COURSE, MAKE SURE YOU SUBMIT THE CERTIFICATE REGISTRATION PAGE. This is the only way we know you have completed the course. If you have submitted your Certificate Registration Page at the end of the course and do not receive follow up questions by the end of the next business day, please email us at both: cents2@centsprogram.org and creditcert@centsprogram.org

After you submit the certificate request form, by the end of the next work day, you will be emailed follow up questions. If you do not receive the follow up questions by the end of the next business day, please email CENTS at the emails listed at the end of this paragraph. You must respond to the follow up questions to receive your certificate. After you respond to the follow up questions, you will be emailed your certificate by the end of the next business day. If you do not receive the certificate by the end of the next business day, email CENTS at both cents2@centsprogram.org and creditcert@centsprogram.org.

2. MAKE SURE THIS IS THE CORRECT CLASS

A bankruptcy filer must take:

  1. A credit counseling class BEFORE he or she files AND
  2. A financial education class AFTER he or she files.

CENTS' Online Credit Counseling Class for Bankruptcy Filers is to be taken BEFORE one files for bankruptcy. In other words, it's a pre-filing class.

If you have already taken a credit counseling class for bankruptcy filers, filed for bankruptcy and have your case number, you can take CENTS' financial education class, called Innovo. To take Innovo, please click here. Remember, you can only take Innovo AFTER you have filed bankruptcy and have your case number. If you have not filed bankruptcy yet, you are in the right place to begin. See below on how to register for CENTS' Online Credit Counseling Class for Bankruptcy Filers.

3. REGISTER FOR THE BANKRUPTCY CREDIT COUNSELING CLASS


CLICK here to register.

You will register and then pay through PayPal. You do not need to be a PayPal member or have a PayPal account. PayPal will offer you other ways to pay, such as a debit card, credit card, or “e-check”. Please look closely on the PayPal site for those options.

We accept Checking Account Transfers, Credit Cards, E-Checks, and Debit Cards.

4. BEGIN BANKRUPTCY CREDIT COUNSELING COURSE

If you have registered, click on the link BELOW to begin the course or on the "Login" button in the upper right corner. If you have not registered, click on the link ABOVE in "item 3. Register" or on the "Register" button in the top right corner.

Click Here to Enter the Course!