Non-profit bankruptcy credit counseling provider offering court-mandated pre- and post-filing courses required under BAPCPA for Chapter 7 and 13 filers.
Editorially reviewed by Harvey Brooks
Approved Credit Counseling is a federally-approved non-profit credit counseling agency specializing in bankruptcy education and debt management guidance. The company claims over 15 years of experience spanning debtor, creditor, and legal advocacy perspectives in the bankruptcy field. They position themselves as a comprehensive resource for individuals navigating the bankruptcy process with a holistic approach to debt management.
The company primarily offers two structured online courses: a pre-filing bankruptcy credit counseling course (required before filing Chapter 7 or 13 bankruptcy) and a post-filing debt counseling course. Both courses are delivered online and available 24/7. The pre-filing course costs $19.95 per household, runs approximately 1 hour (as mandated by law), and allows participants to work at their own pace with resume capability. Married couples may file jointly or separately. Upon completion and consultation with a live counselor, participants receive an immediately-issued certificate of completion, which satisfies the legal requirement under the Bankruptcy Abuse Consumer Protection Act (BAPCPA) of 2005.
Approved Credit Counseling is officially approved by bankruptcy courts to issue certificates in all U.S. states and territories. The company emphasizes accessibility through low cost, round-the-clock availability, and user-friendly navigation. Their website indicates this is a "no-fail" course designed to prepare individuals for bankruptcy proceedings rather than disqualify them. The platform includes features for attorney code requests, suggesting integration with legal professionals.
A key limitation is that this organization appears primarily focused on meeting the minimum legal requirement rather than providing comprehensive debt prevention or alternative financial solutions. The service is narrowly tailored to bankruptcy filers specifically and does not appear to offer credit repair, debt settlement negotiation, or alternatives to bankruptcy. While legitimate and federally-approved, the offerings are transactional rather than transformative—users should not expect this service to prevent or substantially alter a bankruptcy trajectory.
Yes. Approved Credit Consulting is a registered company headquartered in 526 4th Ave, Brooklyn, NY 11215. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Approved Credit Counseling is best suited for individuals who have already committed to filing bankruptcy and need to fulfill the federally-mandated pre-filing counseling requirement quickly and affordably. The main caveat is that this is a compliance service, not a financial rescue service—it does not offer debt negotiation, alternatives to bankruptcy, or long-term financial rehabilitation beyond meeting legal minimums. Seek this service only if bankruptcy filing is already underway or planned.
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