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Credit Building

Housing Assistance
Whether you are current on your mortgage payments, experiencing a financial
hardship, or ready to begin your homeownership journey.
Learn More

Get Free Credit Counseling

Credit Score Education

Review Your Credit Report
Working with a credit counsleor will help you pay off debt fast and manage your
personal finances more efficiently. Our free credit advice is personalized to
your unique situation.
The details on your credit report, like your credit score, directly impact your
everyday financial well-being. Your credit score influences your ability to
secure the best interest rates on loans, helps you qualify for housing, rentals
or a mortgage, and even plays a role in obtaining employment for certain types
of positions.
Your credit report can influence your ability to find housing, employment and
secure a loan. Knowing your score and understanding your report are the first
steps towards your financial health. Our certified financial counselors will
guide you through your credit report, answer questions, and give personalized
guidance towards improving your score.
Learn about the process of getting a bank account with BankOn. Learn all there
is to know about opening a bank account and the responsible usage of the bank
account.

Debt Relief

Housing Assistance
Whether you are current on your mortgage payments, experiencing a financial
hardship, or ready to begin your homeownership journey.
Learn More

Debt Counseling

Debt Management Program

Bankruptcy Counseling

Student Loan Counseling
Speak with a Debt Coach to review all your options and discuss the best
strategies for getting debt relief. We’ll point you in the right direction,
whether that’s DIY debt relief or a debt program, like Debt Management Plans or
Debt Settlement.
Debt is common and manageable. Our certified financial counselors are standing
by ready to answer your questions, provide guidance, and help you reach your
financial goals. Speaking to one of our certified debt counselors is completely
free. Our counselors will be able to review all of your options for getting out
of debt and guide you toward the best path forward.
A financial counselor will help you determine whether a Debt Management Plan is
your best path toward effectively managing debt levels. Once you enroll in a
plan, we become your personal advocates, working closely with you and your
creditors to pay off debt in a timely fashion.
Debt settlement is a process that allows you to pay off debt by paying a single
lump sum that is lower than the total amount you owe. Settlements are achieved
through negotiation between lenders and consumers or a third-party debt
settlement company. Our counselors will help you assess if debt settlement is
the best debt relief option for you.
Credit.org is an Executive Office for United States Trustees ‘EOUST‘ approved
agency. Our experienced financial counselors work with people in all stages of
their financial life, including the challenging decision of bankruptcy. Our
cousnelors can help you obtain the certificate you need to file for bankruptcy
or discharge debts in bankruptcy.
Credit.org offers expert student loan counseling to help you manage your
education debt. Our certified counselors guide you through loan repayment
options, consolidation, and strategies to alleviate student loan stress. Get
personalized assistance to navigate your student loan journey and find the best
solutions for your financial goals.

Housing Assistance

Housing Assistance
Whether you are current on your mortgage payments, experiencing a financial
hardship, or ready to begin your homeownership journey.
Learn More

Foreclosure & Mortgage Assistance

Homebuyer Counseling

Reverse Mortgage Counseling

Rental Counseling
Whether you are current on your mortgage payments, experiencing a financial
hardship, or ready to begin your homeownership journey, take action and reach
out to a HUD Certified Housing Counselor today!
Work with our HUD Certified Counselors who will assess your current mortgage
needs and help guide you to the options that are best suited for your specific
situation.
If you are 62 or older, have equity in your home, and are considering a Reverse
Mortgage loan, it is important to speak with one of our HUD Certified Counselors
to understand the benefits and risk of this product.
Our award-winning counselors are here to help prepare you to own a home. We
provide education, resources, and guidance to make your home buying process
efficient, stress-free, and rewarding.
Don’t start your home buying journey without getting the facts first! Whether
you’re a first-time home buyer or someone looking to get back into home
ownership, you will need a well laid plan. Our HUD-approved Home Buyer Classes
will help you navigate the home buying process and equip you with useful tools &
resources for purchasing a home.
If you are seeking guidance regarding renting, call us to speak with one of our
financial counselors who will help you develop a budget, create a detailed
action plan, and who can provide you with local, statewide, and national
resources.
Community Affordable Loan Solution™ is designed to create homeownership access
for clients who have never envisioned themselves as a homeowner. Credit.org has
partnered with Bank of America to assist first-time homebuyers with pre-purchase
counseling and homebuyer education.
Credit.org has partnered with Federal Home Loan Bank of Atlanta to provide your
pre-purchase or owner-occupied credit counseling.
Helping San Diego County, Riverside County & San Bernardino County residents
CLIMB to financial freedom!

Education & ClassesResourcesPartners

EN
ES
800-431-8157Questions?




Credit Building

Housing Assistance
Whether you are current on your mortgage payments, experiencing a financial
hardship, or ready to begin your homeownership journey.
Learn More

Get Free Credit Counseling

Credit Score Education

Review Your Credit Report
Working with a credit counsleor will help you pay off debt fast and manage your
personal finances more efficiently. Our free credit advice is personalized to
your unique situation.
The details on your credit report, like your credit score, directly impact your
everyday financial well-being. Your credit score influences your ability to
secure the best interest rates on loans, helps you qualify for housing, rentals
or a mortgage, and even plays a role in obtaining employment for certain types
of positions.
Your credit report can influence your ability to find housing, employment and
secure a loan. Knowing your score and understanding your report are the first
steps towards your financial health. Our certified financial counselors will
guide you through your credit report, answer questions, and give personalized
guidance towards improving your score.
Learn about the process of getting a bank account with BankOn. Learn all there
is to know about opening a bank account and the responsible usage of the bank
account.

Debt Relief

Housing Assistance
Whether you are current on your mortgage payments, experiencing a financial
hardship, or ready to begin your homeownership journey.
Learn More

Debt Counseling

Debt Management Program

Bankruptcy Counseling

Student Loan Counseling
Speak with a Debt Coach to review all your options and discuss the best
strategies for getting debt relief. We’ll point you in the right direction,
whether that’s DIY debt relief or a debt program, like Debt Management Plans or
Debt Settlement.
Debt is common and manageable. Our certified financial counselors are standing
by ready to answer your questions, provide guidance, and help you reach your
financial goals. Speaking to one of our certified debt counselors is completely
free. Our counselors will be able to review all of your options for getting out
of debt and guide you toward the best path forward.
A financial counselor will help you determine whether a Debt Management Plan is
your best path toward effectively managing debt levels. Once you enroll in a
plan, we become your personal advocates, working closely with you and your
creditors to pay off debt in a timely fashion.
Debt settlement is a process that allows you to pay off debt by paying a single
lump sum that is lower than the total amount you owe. Settlements are achieved
through negotiation between lenders and consumers or a third-party debt
settlement company. Our counselors will help you assess if debt settlement is
the best debt relief option for you.
Credit.org is an Executive Office for United States Trustees ‘EOUST‘ approved
agency. Our experienced financial counselors work with people in all stages of
their financial life, including the challenging decision of bankruptcy. Our
cousnelors can help you obtain the certificate you need to file for bankruptcy
or discharge debts in bankruptcy.
Credit.org offers expert student loan counseling to help you manage your
education debt. Our certified counselors guide you through loan repayment
options, consolidation, and strategies to alleviate student loan stress. Get
personalized assistance to navigate your student loan journey and find the best
solutions for your financial goals.

Housing Assistance

Housing Assistance
Whether you are current on your mortgage payments, experiencing a financial
hardship, or ready to begin your homeownership journey.
Learn More

Foreclosure & Mortgage Assistance

Homebuyer Counseling

Reverse Mortgage Counseling

Rental Counseling
Whether you are current on your mortgage payments, experiencing a financial
hardship, or ready to begin your homeownership journey, take action and reach
out to a HUD Certified Housing Counselor today!
Work with our HUD Certified Counselors who will assess your current mortgage
needs and help guide you to the options that are best suited for your specific
situation.
If you are 62 or older, have equity in your home, and are considering a Reverse
Mortgage loan, it is important to speak with one of our HUD Certified Counselors
to understand the benefits and risk of this product.
Our award-winning counselors are here to help prepare you to own a home. We
provide education, resources, and guidance to make your home buying process
efficient, stress-free, and rewarding.
Don’t start your home buying journey without getting the facts first! Whether
you’re a first-time home buyer or someone looking to get back into home
ownership, you will need a well laid plan. Our HUD-approved Home Buyer Classes
will help you navigate the home buying process and equip you with useful tools &
resources for purchasing a home.
If you are seeking guidance regarding renting, call us to speak with one of our
financial counselors who will help you develop a budget, create a detailed
action plan, and who can provide you with local, statewide, and national
resources.
Community Affordable Loan Solution™ is designed to create homeownership access
for clients who have never envisioned themselves as a homeowner. Credit.org has
partnered with Bank of America to assist first-time homebuyers with pre-purchase
counseling and homebuyer education.
Credit.org has partnered with Federal Home Loan Bank of Atlanta to provide your
pre-purchase or owner-occupied credit counseling.
Helping San Diego County, Riverside County & San Bernardino County residents
CLIMB to financial freedom!

Education & ClassesResourcesPartners




UNDERSTAND WHAT
QUALIFIES YOU FOR BANKRUPTCY


Learn how bankruptcy can provide relief, protect your assets, and set you on a
path toward financial stability. Not all situations qualify for bankruptcy. Our
counselors explain what qualifies you, assess your finances, and outlines your
options like Chapter 7, Chapter 13, or Chapter 11 bankruptcy. Find out which
path best aligns with your goals for debt relief.
Begin Pre-BK SessionResume Existing Session



NAVIGATE THE BANKRUPTCY PROCESS
WITH BANKRUPTCY COUNSELING


IDENTIFY YOUR OPTIONS,
‍MAKE INFORMED CHOICES

Get clarity on Chapter 7, Chapter 11, and Chapter 13 bankruptcy options. We help
you understand each type so you can select the best path forward based on your
financial goals and needs.


PROTECT YOUR ASSETS,
SECURE ESSENTIAL NEEDS

Our counselors guide you through filing for bankruptcy while keeping essential
assets like your car. We’ll help you navigate protections to maintain stability
during and after the process.



REBUILD CREDIT,
‍ACHIEVE FINANCIAL STABILITY

Access resources and tools to rebuild your credit post-bankruptcy. We provide
strategies to help you restore creditworthiness, ensuring a strong foundation
for future financial health.


STEP-BY-STEP
BANKRUPTCY PROCESS


STEP 1:
ELIGIBILITY
ASSESSMENT

We assess if bankruptcy is the right option based on your situation, providing
clarity on qualifications and necessary documentation.


STEP 2:
SELECT THE RIGHT
BANKRUPTCY TYPE

Our counselors explain Chapter 7, Chapter 11, and Chapter 13 options, helping
you choose based on your debt, assets, and financial goals.


STEP 3:
FILING AND
ASSET PROTECTION

Get guidance on filing and protecting essential assets. We cover steps like how
to keep your car and answer questions about filing costs.


STEP 4:
CREDIT RECOVERY
AND FINANCIAL PLANNING

Access tools and guidance to rebuild credit after bankruptcy, so you can work
toward financial health and stability.
Start Your Bankruptcy Process Today.
Resume Existing SessionBegin Pre-BK Session



SEE HOW WE’VE GUIDED CLIENTS
THROUGH BANKRUPTCY COUNSELING

Our bankruptcy counseling has helped clients break free from overwhelming debt
and regain financial stability. With our guidance, you'll learned to make better
decisions, and rebuild credit.
Slide 2 of 4.
Begin Pre-BK SessionResume Existing Session


HOW BANKRUPTCY
COUNSELING WORKS


BEFORE
FILING BANKRUPTCY

Before filing, you’ll complete a pre-filing session with our certified
counselor. As an EOUST-approved agency, Credit.org provides personalized
guidance and a tailored budget to help you make confident, informed financial
decisions.



AFTER
FILING BANKRUPTCY

After filing, you’ll complete a post-filing session with our EOUST-approved
counselors. We focus on practical financial strategies and budgeting tools,
empowering you to rebuild and manage your finances with confidence and control.



BUILDING FINANCIAL
STABILITY AFTER BANKRUPTCY

With expert guidance on budgeting and timely payments, you’ll see gradual
improvements in your credit score and a path toward lasting financial stability.
Are you an attorney?
Let's partner up and log into your portal here!

Attorney RegisterAttorney Login




FINANCIAL TOOLS MADE TO
HELP YOU NAVIGATE BANKRUPTCY

Armed with the right tools, managing and improving your credit becomes a
seamless task. Effective budget counseling is key to credit health. Our
resources and tools guide you in allocating funds wisely, reducing debts, and
positively impacting your credit score.
Explore Our Resources



BANKRUPTCY FAQ'S


IS CREDIT.ORG APPROVED BY THE EXECUTIVE OFFICE FOR UNITED STATES TRUSTEES OR
BANKRUPTCY ADMINISTRATOR?

Yes. Credit.org is approved to issue Pre-filing Credit Counseling and
Pre-discharge Debtor Education certificates in compliance with the bankruptcy
code. Approval does not endorse or assure the quality of an agency’s service.


DO I NEED TO MEET WITH AN ATTORNEY BEFORE I CAN SPEAK TO A COUNSELOR AT
CREDIT.ORG?

No, you can talk to a counselor at credit.org before or after you meet with an
attorney.


HOW LONG WILL I HAVE TO WAIT FOR A BANKRUPTCY COUNSELING APPOINTMENT?

We have counselors standing by to take your calls. No appointment is necessary.
Simply call us at 1-888-425-3453 to speak directly to a bankruptcy counselor.
(see our business hours)


HOW LONG DOES THE BANKRUPTCY COUNSELING SESSION USUALLY TAKE AT CREDIT.ORG?

Under the bankruptcy law, The Executive Office for United States Trustees
requires that you participate in a counseling session that may take up to 90
minutes or longer. Sessions may be shorter or longer, depending on your
situation, amount of information to be gathered, number of questions you ask,
etc.


DIVE INTO OUR BANKRUPTCY
BLOGS FOR DEEPER INSIGHTS


WHAT IS BANKRUPTCY AND HOW DOES IT WORK?


HOW TO CHOOSE THE RIGHT TYPE OF BANKRUPTCY?


IS BANKRUPTCY RIGHT FOR ME?

Read more bankruptcy blogs
Credit.org is not a loan company. We do not loan / lend money.
‍
Credit.org is an independent nonprofit financial counseling agency and is not
affiliated with any mortgage, lending or servicing provider. The content, links
and resources in this site are presented for informational purposes only and
should not be construed as legal or tax advice.

Credit.org is not a credit repair company.
‍
Credit.org does not offer credit repair services. Our focus is on providing
educational resources, counseling, and support to help individuals improve their
financial health and achieve their homeownership goals. We do not engage in
activities that promise to remove or alter negative credit information from
credit reports.


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