Start Fresh Today

Mon-Thurs: 9am to 10pm EST
Fri & Sat: 9am to 8pm EST

Username:

Password:

Forgot Password?

Start Fresh Today Instructional is approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider's services.

Bankruptcy Law Requires a Credit Counseling Briefing Before You File

If you're planning to file for bankruptcy, the law requires that you complete a U.S. Trustee approved Credit Counseling Briefing before you file your bankruptcy petition. Your bankruptcy attorney will file the Credit Counseling certificate that must be filed with your petition.

You may be confused about all of the new bankruptcy requirements and uncertain about where to turn to fulfill those requirements without aggravating your financial problems. Here at Start Fresh Today, you can purchase an online Credit Counseling Briefing delivered by an agency approved to issue certificates in compliance with the Bankruptcy Code for only $30, whether you're filing alone or with your spouse. Approval does not endorse or assure the quality of an agency's services.

Download the magazine. It's 100% Free!

Here's what you can expect from your Credit Counseling Briefing:

A web-based credit counseling briefing followed by a short telephone conversation
An easy to navigate, interesting credit counseling briefing full of useful information
Animated counselors to walk you through the briefing
The ability to stop the briefing at any time and consult with the credit counseling agency, or just take a break-you can pick up where you left off later
Customized feedback based on the information you provide
A printable summary of the course
Electronic delivery of your certificate

Or, if you prefer, you can purchase a telephonic credit counseling briefing for just $50 and work with a counselor over the telephone.

Please note that we are not a credit counseling agency. We have coordinated a pool of reputable, independent 501c3 credit counseling agencies to quickly review your data and post a PDF of the credit counseling certification to your account.

We simply facilitate the relationship between the agency and you to provide for a consistent briefing delivery. When you purchase the briefing, we assign you to a provider in the client's district. Additionally, all client data from our free Means Test instantly transfers to the Certification Program in an easy-to-use, editable format.

Save even More Money on Your Credit Counseling Briefing and Debtor Education Course!

When you purchase both your online Credit Counseling Briefing and your online Debtor Education Course through Start Fresh Today, you'll get both for only $69. Buy a credit counseling briefing and receive a $10 discount on any purchase of a debtor education course, now or in the future.

Take Credit Counseling Briefing

Take Debtor Education Course

You need Adobe Flash Player 9 to view this widget.

Hello and welcome to our website. If you have been thinking about bankruptcy to possibly help eliminate your debt - learning about your options is the first step.

Part of the Bankruptcy process is having you complete both a Credit Counseling and Debtor Education course. These are available by phone or online for your convenience.

In fact, if you have decided to file bankruptcy, the FIRST STEP is to obtain a credit counseling briefing from a certified credit counseling agency.

The credit counseling briefing is basically a primer or introduction on basic financial management, budget analysis and debt management strategies. This course is based on YOUR financial situation, which allows you to learn the best way to manage your finances. In addition, the credit counseling briefing addresses alternatives to bankruptcy.

Many people who go through bankruptcy find that this education process can be very beneficial, and helps consumers avoid getting into financial trouble again. Please know that your bankruptcy petition may be dismissed if you fail to complete a certified credit counseling briefing. In other words, this is both a mandatory as well as a beneficial part of the bankruptcy process.

Under current bankruptcy law, you must also complete a debtor education course after bankruptcy but BEFORE being able to receive your discharge. This applies regardless of whether you're filing bankruptcy under Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code. Your bankruptcy attorney can advise you on which is most appropriate for your circumstances.

As its name implies, the debtor education course serves as an educational tool for you to plan your financial future. It helps you learn some important lessons like establishing a healthy relationship with credit. You can quickly and easily complete your courses right here on our website. In fact, you can do this online, or through telephone counseling sessions and begin the process immediately. As a recognized leader and fully licensed provider of the courses, Start Fresh Today helps thousands of consumers just like you fulfill these requirements.

If you are ready to get started, go ahead and click the button above that says, "Create Your Account." You’ll be done before you know it! Thanks for choosing Start Fresh Today and have a great day!

Attorneys Agencies

This is a belated thank you to the staff at your agency that were extremely helpful to me in completing this process, in particular a woman by the name of Joanna and a gentleman by the name of Jerry. Both of these staff went out of their way to ensure my complete customer satisfaction and I would like to commend them for their professionalism and assistance. Karen
Sacramento, California
More Testimonials
The course was easy and available online and once it was over I got to speak to a representative. In my 30 minute conversation with the gentleman I learned how to budget better and plan for an unexpected disaster. I became even more familiar with the components of my credit score and more importantly than all of that he let me know there will be life after Bankruptcy. At the end of the call I felt like a person again and not just a lot of debt. I feel prepared to handle my Fresh Start and am so glad they were there to help me. Christina
Fort Lauderdale, Florida
More Testimonials
Thank you for your assistance and the great information that was part of the Start Fresh Today counseling program. Some of the information I was familiar with, but there was so much more to absorb. I look forward to using the tips to get back my 740 Score! I have reviewed the information with my Husband and got his "buy in" to making changes and focusing on our goals. I even contacted my insurance agent over the weekend to review our polices; I changed my Term Life, to a Whole Life (which was about to go from $53 per month to $83. I needed that coverage when my children were younger. Savings $360 per year!). Stephanie
Ohio
More Testimonials