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Bankruptcy Counseling
Frequently Asked Questions (FAQ)

Thank you for your interest in our Bankruptcy Counseling Services. Below you will find answers to some general questions regarding bankruptcy counseling. It is important to remember that WE ARE NOT A LAW FIRM and can not offer legal advice of any kind. As with any legal proceding, it is always recommended that you seek the advice of an attorney.

How much does the bankruptcy counseling session cost?

The cost for our Pre-Filing Credit Counseling course is $39.00 if you take it online, and $49.00 if you decide to take it over the phone with one of our bankruptcy counselors. Our Post-Filing Debtor Education course is only available online, and the cost is $39.00.

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Do I need an attorney to file bankruptcy?

Consumers filing for bankruptcy protection can file on their own; however, bankruptcy laws can be quite complicated. A trusted attorney may prove to be helpful. To find a bankruptcy attorney, consumers can ask someone they trust to recommend a good attorney or contact a Lawyer Referral Service sponsored by a State Bar Association. Filers should make sure that their lawyer specializes in bankruptcy. Potential attorneys should be asked specific questions about their qualifications and fee structure. Finally, consumers should schedule time to meet with the lawyer to determine if they are comfortable working with this person. Filing bankruptcy can be an emotional event so it is important for filers to have a good relationship with their attorney.

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Is my information submitted through this Web site secure?

Yes, Cambridge is committed to maintaining your privacy and online confidentiality. All data transmitted to and from our agency is completely secure.

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How is the course offered?

Our Pre-Filing Credit Counseling course is offered online, over the phone, or in-person at our offices in Agawam, Massachusetts. Our Post-Filing Debtor Education course is only available online.

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What forms of payment do you accept?

Payments are accepted online or over the phone. We accept major credit cards, debit cards, money orders, and ACH (electronic checks).

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How long is the course?

The pre-filing credit counseling course takes a minimum of 60 minutes to complete. The pre-discharge debtor education course takes a minimum of 2 hours. The time requirements conform to the EOUST (Executive Office for U.S. Trustees) program guidelines.

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When is the certificate of completion for the course available?

Clients taking the online pre-filing credit counseling course are required to contact us after completion of the online course to get certified. The certificate is delivered via client's preferred method of delivery immediately after the call. Clients taking the online Pre-Discharge Debtor Education course will automatically receive their certificate within 24 to 48 business hours of completion of the online course via their preferred method of delivery.

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Who will receive the certificate of completion?

The certificate(s) can be sent to the client and attorney via email, fax or US postal service. These preferences are specified by the client during the registration process.

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Can joint bankruptcy filers take the course together?

Yes. Joint filers are encouraged to work through the courses together.

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Can another person purchase the course for me?

Yes, another person, such as your spouse or attorney may purchase the course for you. You or a family member can select the "Personal/Family Member Purchase" option during the online purchase process.

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How long is my certificate good for?

Pre-filing Credit Counseling- The certificate expires 6 months from the date issued. Pre-Discharge Debtor Education- In most cases, the certificate needs to be presented in courts within 45 days of the original filing date. For further explanation on this matter, it's best to speak to your attorney.

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