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Our Service Fees
Effective July 1, 2009

Counseling and Education Combination Discounts
Counseling and Education - By Telephone (save $10.00)
The fee for a telephone pre-petition counseling session is $55.00. We offer a reduced rate for clients who return to credit.org for their pre-discharge debtor education requirement if bankruptcy is what they elect to choose. The fee for returning clients for debtor education by the telephone is $45.00 plus $4.00 shipping and handling to provide you with the materials you will need to complete the course. This is a savings of $10.00 for telephone counseling and debtor education off of our normal fees! These fees are the same for either a single filer or joint filers, if they attend the same session.
Counseling and Education - By Internet (save $20.00)
The fee for an Internet pre-petition counseling session is $45.00. We offer a reduced rate for clients who return to credit.org for their pre- discharge debtor education requirement if bankruptcy is what they elect to choose. The fee for returning clients for debtor education by the Internet is $35.00. This is a savings of $20.00 for Internet counseling and debtor education off of our normal fees! These fees are the same for either a single filer or joint filers.
Bankruptcy Counseling Click Here for Counseling »
Pre-petition Bankruptcy Counseling - By Telephone
The fee for a telephone session by one of our certified credit counselors is $55.00. The fee is good for either a single filer or joint filers if both attend the same session.
Pre-petition Bankruptcy Counseling - By Internet
The fee for an Internet session is $45.00. This fee is the same for either a single filer or joint filers if both attend the same session..
Pre-petition Bankruptcy Counseling - In Person
The fee for an in person session is $55.00. This fee is the same for either a single filer or joint filers if both attend the same session..
Bankruptcy Education Click Here for Education »
Pre-discharge Debtor Education - By Telephone
The fee for a telephone session is $55.00 + $4.00 S/H. This fee is the same for either a single filer or joint filers if both attend the same session..
Pre-discharge Debtor Education - By Internet
The fee for an Internet session is $45.00. This fee is the same for either a single filer or joint filers if both attend the same session..
Pre-discharge Debtor Education - In Person
The fee for an in Person session is $55.00. This fee is the same for either a single filer or joint filers if both attend the same session..


Fee Waiver Policy
Credit.org will reduce or waive the Pre-petition Bankruptcy Counseling and Pre-discharge Debtor Education fees for debtors whose household income is less than 150% of the estimated poverty threshold for their applicable family size as published by the Bureau of the Census AND the debtor is unable to pay the fee based on the debtor's budget analysis.

Disclosure: Credit.org reserves the right to revise or change its criteria used to waive any fees under its Pre-petition Bankruptcy Counseling services and Pre-discharge Debtor Education services. Services will be provided without regard to ability to pay.
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