Step 1: Credit Counseling

For the Pre-Filing Credit Counseling you will need:

  • All Income & Deductions
  • All Expenses
  • All Debts Owed
  • All Assets & Property

Bankruptcy Certificates

For Clients of:

Step 2: Debtor Education


For the Post-Filing Debtor Education you will need:

  • Credit Counseling Certificate
  • Your Bankruptcy Case Number
  • Your Judicial Filing District
  • Your Mother's Maiden Name

PLEASE NOTE: If you are married and filing jointly,
you only need to create ONE account

Prefer By Phone?
Call us: (855) 851-3847

Returning User?
Log On In Upper Right Hand Corner 

Credit Counseling & Debtor Education offered through EOUST-approved Consumer Education Services, Inc. (CESI), doing business as Start Fresh Today. CESI is approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services. 

Copyright 2015 CESI dba Start Fresh Today

The Law Office of William W. Waldner

469 Seventh Avenue, 7th Floor
New York, NY 10018
(212) 244-2882


Start Fresh Today
Toll Free: (855) 851-3VIP (3847)

Monday - Thursday 9 AM to 8 PM EST
Friday - Saturday 9 AM to 6 PM EST