Welcome to BALANCE's pre-filing education and counseling program. This program will cover how bankruptcy works, debt repayment options, credit
and credit reports, money management, and saving for the future.
Registering for and completing the corresponding test will allow you to move on to the next step: one-on-one bankruptcy counseling. Completing both the online program and counseling session will qualify you for a certificate indicating you've completed an approved counseling and education program. This certificate will be required if you choose to go forward with filing
bankruptcy. The fee for certification is $50. In limited circumstances, you may be
eligible to have this fee waived.
Most people filing for bankruptcy do so with the assistance of an attorney. The information provided through this education and counseling program is not legal advice and not intended to take the place of guidance and advice from an attorney.