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If a spouse is taking the course with you, you will not need to register them separately. Spouse information will be entered while taking the course.

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Fee Schedule

  • Credit Counseling (Pre-Filing Course): $50 (for individual or couple filing together)
  • Debtor Education (After Filing Course): $50 (for individual or couple filing together)
Fee waiver is available in cases where the debtor has income less than 150 percent of the poverty guidelines last published by the United States Department of Health and Human Services (DHHS) ( Review these guidelines to see if you qualify, or contact DECAF for assistance. For Fee Waiver Qualifications, click here. If you qualify for a fee waiver, DECAF will provide you with a username and password to complete the online course. Courses must be taken online. Other Disclosures

Why Choose BKcert?

Course 1 and Course 2 are offered through BKcert, a U.S. Trustee approved agency*.
  • Unparalleled expertise
  • Unbiased counseling
  • Unrivaled convenience
  • Couples filing jointly can complete courses together, at no additional charge

What Is DECAF?

Debt Education & Certification Foundation (DECAF) provides credit counseling certificates as required before filing for bankruptcy and Debtor Education courses to be completed after filing.

For Fee Waiver Qualifications, click here.

Emergency Rental Assistance Program Information, click here.

Contact Us

114 Goliad Street
Benbrook, TX 76126-2009
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