How much does the bankruptcy counseling session cost?

The cost for our Pre-Filing Credit Counseling Briefing is $39. The cost for our Pre-Discharge Debtor Education course is also $39. There is no additional charge for couples who wish to take either course together, and each person will receive their own certificate for each course that they complete.

Do I need an attorney to file for 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.

Is the information that I submit through this website secure?

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

How are the courses offered?

Our Pre-Filing Credit Counseling course is available online, over the phone, or in-person. Our Post-Filing Debtor Education course is available online or in-person. In-person sessions will be held at our offices in Agawam, Massachusetts.

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 debits).

How long is the course?

The pre-filing credit counseling course takes an average 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.

When will the certificate of completion for the courses be available?

Certificates are available within 24 business hours.

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.

Can joint bankruptcy-filers take the course together?

Yes. Joint filers are encouraged to work through the courses together. There is no cost difference for single filers or couples.

Can another person purchase the course for me?

Yes, another person, such as your spouse or attorney may purchase the course for you.

How long is my certificate good for?

The certificate of completion for non-profit budget and credit counseling (pre-filing credit counseling) is valid for up to 180 days after the date that the counseling was completed. The Final Rule (28 C.F.R. Part 58) does not specify an expiration date for a Debtor Education (post-filing) certificate. For further explanation on this matter, it's best to speak to your attorney.

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