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ACDCA Credit Counselor:

“Choosing to file for bankruptcy can be a difficult decision to make. There are many reasons people fall behind on payments. We are here to help you work through your options, is bankruptcy the best choice?

We will personally work with you to assist in making the best choice possible! We are here to help you begin the next stage of life through a quality financial education! Once you have visited with your attorney get started right away! Each course only cost $20 to complete online ($25 for phone sessions).”

Quick Start!


Q: Which course do I need to take?
A: There are two certificates required when filing a bankruptcy. The 1st certificate is required before filing. To receive this certificate, you must take a Pre-Bankruptcy Credit Counseling Session. The 2nd certificate is required after you file the bankruptcy but before your case can be discharged. To receive this certificate, you must take a Personal Financial Management Instructional Session/ Debtor Education course and have a bankruptcy case number.
Q: How much do the courses cost?
A: The fee for the Pre-Filing Credit Counseling course is $20 for an individual or a joint filing for online classes. ($25.00 for Phone Sessions) The fee for the Personal Financial Management course is also $20 for an individual or a joint filing online. ($25.00 for Phone Sessions)
Q: My Credit Counseling certificate has expired. What do I need to do to receive a new certificate?
A: Your Credit Counseling certificate is only valid for 180 days from the date of course completion. If your certificate has expired beyond the 180 days, according to law, you must re-take the Pre-Bankruptcy Credit Counseling session to receive a valid certificate. We cannot alter the date on your certificate.
Q: What kind of information do I need to take the courses?
A: When taking the Credit Counseling session, you will complete a worksheet to calculate your net worth. It will include a list of your assets and liabilities. The course will not ask for names of creditors, just the total amount of debt owed and monthly payment. It will also include completion of an annual cash flow or yearly budget. You will need to have an idea of your income and expenses for the year. When taking the Debtor Education course, you will need to have a bankruptcy case number as well as income and expenses to complete a monthly budget.
Q: How will I receive my certificate and when? Will you also send a certificate to my attorney?
A: Your certificate will be sent to the email address you listed during the registration process. The email will contain the word ‘Certificate’ and your name in the subject line. You will receive the certificate within 24 hours of course completion. However, in most cases, you will receive the certificate as soon as an hour after completion. If you listed your attorney’s information during the registration process, we will make every attempt to send the certificate to your attorney as well as to yourself.
Q: I completed the course over 24 hours ago but I still see no certificate in my email inbox. What should I do?
A: In order to receive a certificate, you must review the counselor's comments. To do so, please log into your session and click view counselors comments. Once you have done this and still have not received your certificate, we send the certificate as a PDF attachment, your account may filter the email into your junk or bulk mail. Please check those areas first. If you still do not see your certificate, call us at 888-415-8173. You can also email us at support@acdcas.com and request another certificate be sent. Please include your name and username for the course.
Q: Do I need to make an appointment to complete the courses?
A: You can take either course online at any time. You can make the payment online and continue immediately into the course. You do not have to call us to receive a certificate of completion. If you would like to complete the session over the telephone or In Person, you will need to call and make an appointment. We will do our very best to get you scheduled as soon as possible.
Q: I am getting registered at Step 1 and don’t know my Judicial District. What do I enter?
A: You can go to www.justice.gov/ust/eo/bapcpa/ccde/states.htm to locate your judicial district. This website belongs to the Department of Justice U.S. Trustee program.
Q: I am trying to pay for the course with my Debit/Credit card. What does “CVV” mean?
A: “CVV” is your “Card Verification Value”. In most cases, it is a 3 digit number found on the back of your Debit/Credit card at the end of your signature. With American Express cards, it is a 4 digit number on the front of your card.