Discounted Online Bankruptcy Certificates

If you have exhausted all of your options and efforts in trying to pay off your debts, and nothing seems to be working, your final option may be bankruptcy.

We are not bankruptcy attorneys, so we do not provide legal advice or help fill out the bankruptcy petition. However, the federal Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 created the requirement that all filers of personal bankruptcy meet with an approved, nonprofit credit counseling agency for a budget briefing and credit counseling session BEFORE filing their petition with the federal court. Additionally, after the petition is filed but before the court discharges the filer of his or her responsibility to pay the included debts, that individual must complete a 2-hour personal financial management course.

Debt Reduction Services, Inc. provides both of these certificate services online: pre-filing credit counseling and post-filing debtor education.

We do not encourage nor dismiss bankruptcy, but we believe it should never be considered lightly. In fact, the overwhelming majority of our bankruptcy certificate clients truly are in a place where bankruptcy makes the most financial sense.

If you believe you may be at this point, we are happy to offer our services at a 50% discount as part of the financial wellness program made available to you through your organization.

Instead of $50 for an individual or couple to get their pre-filing credit counseling certificate(s) and an additional $50 for an individual or couple to get their post-filing debtor education certificate(s), we can offer each service for $25.

To qualify for this 50% discount, simply call our bankruptcy department at (855) 685-7843 and provide them with the discount code: Money Fit.

Financial stress is hard. Getting the credit counseling and debtor education certificates you need to file for bankruptcy should not be.

We look forward to helping you throughout this process. Call our certified counselors TODAY at (855) 685-7843 and provide the discount code, Money Fit or complete the form below to request contact from our bankruptcy certificate specialists.

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(855) 685-7843


Hours, Monday-Friday:

Alaska: 5:00 am – 1:00 pm

Pacific: 6:00 am – 2:00 pm

Mountain: 7:00 am – 3:00 pm

Central: 8:00 am – 4:00 pm

Eastern: 9:00 am – 5:00 pm

Free Services

Discounted Services