Before you can file, you need bankruptcy information and counseling.

Filing for bankruptcy is a significant decision, and it can be a very stressful experience. We can help make sure it’s the right choice for you, and be certain that you have everything you need to get on the road to financial recovery.

By law, you must complete pre-bankruptcy counseling within 180 days before you file Chapter 7 or Chapter 13 bankruptcy. And we can help.

As part of this session, a CredAbility counselor will evaluate your personal financial situation. We will make recommendations and discuss options that may be available to resolve your financial challenges, including alternatives to bankruptcy. And we can help you build a personal budget plan to meet your resources and needs.

To begin the required pre-filing bankruptcy counseling call 866.672.2227 to schedule a telephone or in-person appointment or

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Why Choose CredAbility

CredAbility is approved by the Executive Office for U.S. Trustees (a division of the US Department of Justice) and the Bankruptcy Administrators in Alabama and North Carolina, to provide bankruptcy counseling and education throughout the United States.