Start Fresh Today created this guide for consumers going through bankruptcy to help explain the bankruptcy course process. What to expect during pre-bankruptcy Credit Counseling and post-filing Debtor Education are covered.

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2. The agencies who administer these courses
must be approved by the EOUST, and failure to
complete these courses at the appropriate time
may result in your case being dismissed or your
discharge denied.
Fortunately, Start Fresh Today makes it easy for
you to complete your pre-filing Credit Counseling
and your pre-discharge Debtor Education Course
through EOUST approved Consumer Education
Services, Inc. (CESI) right in the comfort of your
own home.
This guide will walk you through what to expect
as you fulfill these requirements and before you
know it, you’ll be off to a FRESH START!
If you’re planning to file for bankruptcy, you must complete two steps:
1 A Credit Counseling Briefing before you file, and
2 A Debtor Education Course after filing.
Copyright © 2015 - Start Fresh Today
Bankruptcy Law Requirements

3. Bankruptcy law requires that you complete an
EOUST approved Credit Counseling Briefing
before you file your bankruptcy petition.
The Credit Counseling Briefing is a 90-minute,
interactive, course that provides customized
feedback based on the information you enter.
Before you start the Credit Counseling Briefing
you will need:
 Detailed information about income and
deductions, a list of all property, a list of
all debts, a list of all expenses, and your
bankruptcy judicial filing district.
Copyright © 2015 - Start Fresh Today
STEP 1
What is a Credit Counseling Briefing?

4. Credit Counseling – Online or By Phone
 A credit counseling briefing followed by a
short telephone conversation or live chat
 An easy to navigate, interesting credit
counseling briefing full of useful information
 Animated counselors (available in English or
Spanish) 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 to you
and your attorney
Copyright © 2015 - Start Fresh Today
What to expect from Credit Counseling Briefing?

5. A Debtor Education Course is also known as a Post-
Filing or Personal Financial Management Course.
After you have filed for bankruptcy and completed
your Credit Counseling but before discharge, this
course is required.
The Debtor Education Course is intended to help
you plan your financial future and avoid post-
bankruptcy pitfalls. The certificate of completion
must be filed with the court before you receive your
discharge.
This 2-hour financial management course is easy
to navigate and easy to understand. You’ll also get
printable forms to use in budgeting and financial
planning.
Before you start the Debtor Education Course you
will need:
Your mother’s maiden name, your bankruptcy
case number, and your bankruptcy judicial filing
district.
STEP 2
Copyright © 2015 - Start Fresh Today
What is a Debtor Education Course?

6. Debtor Education – Online or By Phone
 An interesting, informative educational
course followed by a short telephone
conversation
 Easy to use program with clear prompts,
whether you’re working online or over the
phone
 Clear, understandable financial planning
information
 The flexibility to complete the course all at
once or in segments to suit your schedule
 Electronic delivery of your certificate by
email
Copyright © 2015 - Start Fresh Today
What to expect from Debtor Education Course?

7. “Everyone I spoke with on the phone was very
helpful with all of my questions. Thank you for all
of your help.” – John G.
“Excellent course. I learned a great deal.”
– Donna S.
“This was actually very informative and I plan on
using the information here to better my financial
future. Thanks!!” – Joshua M.
“Iespeciallyliketheinformationonbuildingcredit.
I never knew about secured and unsecured credit
and how that can be so helpful! My whole family
has been talking about it and we are impressed
with this info. Thanks for much!” - Lisa M.
Copyright © 2015 - Start Fresh Today
What Start Fresh Today’s Customers are Saying

8. We can’t wait to help you. You have 2 options:
1 Choose Credit Counseling or
Debtor Education
2
Need help finding a bankruptcy Attorney?
We can help with that too.
For anything else, We’re here to help!
Contact us Today (800) 435-9138
www.StartFreshToday.com
Credit Counseling Debtor Education offered through EOUST-approved
Consumer Education Services , Inc. (CESI), doing business as Start Fresh Today.
CESI is approved to issue certificates in compliance with the Bankruptcy Code.
Approval does not endorse or assure the quality of an Agency’s services.
Copyright © 2015 - Start Fresh Today
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