We offer bankruptcy counseling via:

Telephone: Call 888-534-4387 or 304-522-4321 to schedule appointment. Once scheduled, our counselor will call you for the appointment. You may wish to complete an online counseling form to expedite the process. Upon submission of the form, you will be sent an email advising you to call our office. If you are filing jointly with your spouse, you will both be required to be on the line for the counseling session.

In Person: Call 888-534-4387 or 304-522-4321 to schedule your face to face counseling session. In order to be as efficient as possible during your appointment, we encourage you submit the online application prior to your appointment. If you are filing jointly with your spouse, you will both be required to be in attendance at the counseling session.

 We currently charge up to $30 per person for our pre-filing counseling session (We accept money orders, debit or credit card). In limited circumstances, based on your household income and size, your fee may be waived entirely. Upon completion of the counseling session and receipt of the any verifications that we need, your certificate will be issued to you.

Pre-Discharge Bankruptcy Education
By law, before your bankruptcy case can be discharged—which means debts are considered satisfied—you must complete pre-discharge bankruptcy education. The course covers a variety of topics including:

•    Setting realistic financial goals
•    Information on your credit report
•    Obtaining or re-establishing credit
•    Managing budgets
•    And much more!

This course must be completed within 45 days of your scheduled meeting of creditors. If it is not completed, you may get your case dismissed. A dismissal means that you will have to restart the process and will have to pay additional fees to your attorney and the courts. You want to avoid this by calling our office as soon as you receive your bankruptcy case number.

Here are ways to complete the pre-discharge bankruptcy education:

Online: Call 888-534-4387 or 304-522-4321 to schedule and get your unique ID and password. Required forms will be emailed to along with your ID and password.

In Person: Call 888-534-4387 or 304-522-4321 to schedule your in-person course.

Your Bankruptcy Case Number will be required in order for you to be scheduled for the course, and when you call our office. This can be found on your Notice of Filing issued to you by the court. 

Credit Counseling Bankruptcy Disclosure click here

Debtor Education Disclosure click here