Credit Counseling

YOU MUST TAKE CREDIT COUNSELING PRIOR TO FILING BANKRUPTCY
This is a list of most of the Credit Counseling Agencies approved for Courts in Georgia. You will find that average fee is less than $50.00. Most of the agencies offer both online and on the phone counseling. The session will normally take about an hour. You need to have a rough household budget prepared prior to calling or going online. Figure out what you monthly household income is and what your monthly household expenses are. If you are in a hurry to file you need to use an agency that can either send you or us a Certificate of Completion of the course in PDF format by email. When you call ask them the following questions.

    1. Are they approved in the Northern District of Georgia?
    2. Can they email you a certificate of completion and how long does it take to get the certificate?
    3. If they are mailing you a certificate how long before they mail it.
    4. Do they offer any discount if you go back to them to take the required financial management class later?

We have listed that prices for counseling that were on the website for the agency as of March 2007. Be aware that we do not control pricing and they may quote you a different price when you call. You may have to shop around for a deal.

Company Phone Number Web Address Cost
Allen Credit and Debt Counseling Agency 888-415-8173 http://www.acdcas.com/ $50.00 Single
$75.00 for couple
Alliance Credit Counseling, Inc. 888-594-9596 http://www.knowdebt.org/ $50.00 Single
$75.00 Couple
Best Credit Service, Inc. 800-435-7227 http://www.bestcs.org/  
Black Hills Childrens Ranch, Inc. 800-888-1596 http://www.pioneercredit.com/  
Consumer Credit Counseling Service 866-672-2227 http://www.cccs-express.org/ $50.00 Single
Consumer Credit Management, Inc. 888-821-4357 http://www.ccmcanhelp.com/ $50.00 per household
Consumer Debt Counselors, Inc 800-290-9232 http://www.consumerdebtcounselors.com/ $50.00 Single
Credit Advisors Foundation 800-625-7725 http://www.yourbankruptcypartner.com/ $50.00 per household
Credit Counseling Centers of America 800-493-2222 http://www.ccamerica.org/ $30.00 online
$50.00 by phone
Cricket Debt Counseling 866-719-0400 http://www.cricketdebt.com/ $36.00 per household
Debt Reduction Services, Inc. 877-688-3328 http://www.debtreductionservices.org/  
GreenPath, Inc. 800-630-6718 http://www.greenpathbk.com/ $50.00 Single
$ 60.00 Couple
Hummingbird Credit Counseling and Education, Inc. 800-645-4959 http://www.nbcce.org/ $49.00 Single
Institute for Financial Literacy, Inc. 866-662-4932 http://www.financiallit.org/ $ 50.00 Single
Money Management International, Inc. 877-918-2227 http://www.moneymanagement.org/ $50.00
Pacific Rim Institute for Development and Education 310-740-2777 http://www.bkedcert.com/ $50.00 Single
$75.00 Household
Partnership for Families, Children and Adults, Inc. 800-459-2227 http://www.nfcc.org/  
Springboard Nonprofit Consumer Credit Management 800-947-3752 http://www.credit.org/ $55.00 per household
The Family Center of Columbus, Inc. 800-757-2227    
University of Missouri-Columbia Office 573-882-2173 www.missouri.edu/~cfewww/financial $50.00 single
$60.00 couple

PERSONAL FINANCIAL MANAGEMENT CLASSES
LIST OF APPROVED CREDIT COUNSELING AGENCIES
YOU MUST TAKE A PERSONAL FINANCIAL MANAGEMENT CLASS WITHIN 45 DAYS OF THE MEETING OF CREDITORS IN YOUR BANKRUPTCY CASE

We have listed the prices for counseling that were on the website for the agency as of October, 2007. Be aware that we do not control pricing and they may quote you a different price when you call. You may have to shop around for a deal.

Company Name Telephone Number Website Cost for Class
A 24/7 Bankruptcy Class Inc 866-412-7247 http://www.advantageclass.com/ $17.50
AAA Financial Services 877-AAA-4547 http://www.aaapersonalfinance.com/ $15.95
A Better Financial Education 877-930-9600 http://www.smartmoneysense.com/ $39.95
Allen Credit and Debt Counseling 888-415-8173 http://www.acdcas.com/ $50 – Single
$75 – Couple
Alliance Credit Counseling 888-594-9596 http://www.knowdebt.org/ $50 – Single
$75 – Couple
American Bureau of Credit Srvcs 800-701-0437 http://www.americanbureauofcredit.com/ $49.00
American Debtor Education 888-332-8331 http://www.americandebtor.com/ $40 – Single
$50 – Couple
American Debtor Educators On-line 310-477-9982 http://www.debtor-ed.com/ $50 – Single
$65 – Couple
Anzelc & Associates 888-265-6676 http://www.anzelcandassociates.com/ $45 – Internet
$65 – Telephone
Arbor Investments 800-625-7725 http://www.arbored.com/ $50
AskAFS, LLC 888-883-2675 http://www.askafs.com/ $49.95
Bankruptcy Debtor Education 866-969-2533 http://www.bankruptcydebtoreducation.com/ $29.99
Consumer Credit & Budget 609-390-9652 http://www.cc-bc.com/ $50 – Single
$60 Couple
Consumer Credit Counseling Service of Augusta, Inc 706-736-2090 http://www.cccsaugusta.org/ $50
Consumer Credit Counseling Service of Greater Atlanta, Inc 866-672-2227 http://www.cccsinc.org/ $50
Consumer Credit Management 248-539-1221 http://www.ccmcanhelp.com/ $50
Consumer Debt Counselors 407-599-0057 http://www.consumerdebtcounselors.com/ $50
Consumer Education & Training Services 206-267-7017 http://www.centsprogram.com/ $30 – Single
$50 – Couple
Consumer Financial Solutions 208-375-8140 http://www.cfsidaho.com/ $35
Dalton Education LLC 877-426-2373 http://www.dalton-education.com/ $35 – online video
$50 – internet live
Dave Ramsey’s Financial Peace 888-227-3223 http://www.bankruptcy.daveramsey.com/ $25 – Single Online
$45 – Joint Online
$50 Single DVD
$65 – Joint DVD
DBSM Inc 866-433-7035 http://www.ragsorriches.org/ $39
Debt Education and Certification 866-859-7323 http://www.debt-foundation.org/ $50
Economic Oppty Agency 479-872-7479 http://www.tabde.org/ $25
Financial Strategies Mortgage 317-566-0425 http://www.bkcourse.com/ $50 – Single
$75 – Joint
Hananwill Financial Education 866-544-5557 http://www.hananwill.com/ $36
Money Management Intl 877-918-2227 http://www.moneymanagement.org/ $50
Pacific Rim Institute 800-845-7171 http://www.bkedcert.com/ $50 – Single
$75 – Joint
Priority One Credit Counseling 866-451-4667 http://www.priorityoneccs.com/ $40
Stand Sure Information Services 877-750-0851 http://www.pfmcourse.com/ $24.99
Start Fresh Today 877-525-2313 http://www.startfreshtodayinstructional.com/ $49
Vintures, LLC 877-305-3836 http://www.onlinebankruptcyschool.com/ $29
Your Money Matters Institute 940-594-9051 http://www.yourmoneymattersinstitute.com/ $45