Financial Wellness Institute

A Bridge To Your Financial Future

Pre-Filing Credit Counseling

(Pre-Filing) Bankruptcy Credit Counseling Overview

This page provides detail information about CreditWorthy, Inc. Pre-Filing Bankruptcy related Credit Counseling Services.

If you are an Internet Client and have already been given a user name and password, please select the login button at the top right hand side of your screen to access your program.

If you are an Internet Client accessing our web-page for the first time, please contact our office via e-mail at prefilingcreditcounseling@creditworthyinc.org or via phone at (856) 251-0311 or (866) 251-1414 Toll Free.

To get started, what do I need?

To complete this program, you will need to provide enough information to construct a monthly budget for analysis. We recommend that clients gather the following information before starting their counseling session:

  • Pencil, paper and calculator
  • Income records, such as pay stubs, or support checks
  • Tax payments including home and auto taxes
  • Monthly bills
  • Support or assistance paid
  • Any insurance premiums paid
  • An estimate of home and auto repairs
  • An estimate of medical expenses
  • An estimate of other purchases
  • Balance and minimum monthly payments for unsecured debts
  • CreditWorthy, Inc. will not collect asset information.

How much does it cost?

CreditWorthy, Inc. Pre-Filing Bankruptcy Counseling session is $50 per person regardless of whether it is done through the internet, by telephone or in person. 

How long will it take?

A Pre-Filing Bankruptcy Counseling Session last an average of 60-90 minutes.

How does it work?

Internet Counseling (All Judicial Districts, All States)

Internet counseling is ideal for clients with internet access. The process for internet counseling clients is as follows:

1. Client signs up for the program by calling (856)-251-03111 or (866)-251-1414, or is signed up by an Instructor.

2. Client receives their user name and password or an email with instructions on creating their own.

3. Client logs in to the system using their unique user name and password to begin the program.

4. Client goes through informational screens and budget analysis.

5.  Client does not have to complete the program at one time.  When a client leaves the program, they pick up where they left off when they return; however all work must be completed within 30 days from the date the original receipt is issued.

6.  After a client completes the online portion of the program, they must call (856) 251-0311 or the toll free number (1-866-251-1414)and speak with a counselor who will review their information and address the client’s questions, if any.

7. Upon completion the counselor issues the Certificate of Completion after speaking with the client.

8. The client and their Attorney (if any) will then both receive the Certificate by email or fax.  It is the client’s responsibility to confirm that his/her attorney has received the Certificate.

Telephone Counseling (All Judicial Districts, All States)

Telephone counseling is ideal for clients without internet access. The process for telephone counseling clients is as follows:

1. Client signs up for the program by calling (856) 251-1414 or 1-866-251-1414, or is signed up by an Attorney.

2. Client completes the counseling session by appointment.

3.  The counselor issues the Certificate of Completion after finishing the counseling session.

4.  The counselor will immediately fax, email or mail the Certificate to the client and/or his/her attorney.

In Person Counseling (New Jersey Only)

1. Client signs up for the program by calling (856) 251-1414 or (866) 251-1414 Toll Free.

2. Client sets up an appointment.

3. Client completes counseling session at CreditWorthy, Inc. office.

4. Client receives a Certificate of Completion at the end of the counseling session.

5. A copy of the Certificate is faxed or e-mailed to the client’s attorney office, if applicable.  It is the client’s responsibility to confirm that his/her attorney has received the certificate.

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