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Bankruptcy Counseling

As a full service credit counseling agency, we recognize that debt relief is not a complete solution for all clients. In certain instances, bankruptcy counseling may be a more helpful solution for qualified individuals. If you do not qualify for a debt relief program, or cannot afford to make payments to your creditors, you may want to consider bankruptcy as an option. Prior to the filing of any bankruptcy, you are required by law to complete a pre-bankruptcy counseling session. Additionally, you are highly encouraged to seek the advice of a qualified attorney.

Questions about Bankruptcy Counseling?

Call 855-378-8989

Pre Bankruptcy Counseling

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 launched a new era.

With limited exceptions, people who plan to file for bankruptcy protection must get credit counseling from a government-approved organization within six months before they file. They also must complete a debtor education course to have their debts discharged. The Department of Justice’s U.S. Trustee Program approves organizations to provide mandatory credit counseling and debtor education.

A National Debt Management pre-bankruptcy counseling session includes an evaluation of your personal financial situation, a discussion of alternatives to bankruptcy, and a personal budget plan. The counseling session lasts anywhere between 60 to 90 minutes. Once you have completed the counseling session, a certificate is provided generated from the Department of Justice’s website, as proof that the counseling session has been completed.

The counseling session includes information on the following topics:

  • How to Eliminate Debt
  • How Credit Counseling Works
  • What is Bankruptcy?
  • What are My Options?
  • How to Live Debt Free by Creating a Budget

Post Bankruptcy Education

The educational course includes information on developing a budget, managing money, using credit wisely, maintaining important documents, setting short-term and long-term goals-planning for the future, etc. The course lasts anywhere from 90 minutes to two hours. Once the course is completed a certificate is provided, generated from the Department of Justice’s website, as proof that the educational course has been completed.

The educational course includes information on the following topics:

  • Budget Development
  • Money Management
  • Wise Use of Credit
  • Consumer Information
  • Coping with unexpected financial crisis

Questions about Bankruptcy Counseling?

Call 855-378-8989

Licensed States

National Debt Management is approved by the Department of Justice to perform credit counseling and debtor education, in person and by telephone in the following states: Michigan, Connecticut, Delaware, Georgia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, South Carolina, Vermont, and Virginia.

Disclosure form for Michigan clients can be found here

Talk to a Licensed Counselor 888-960-5303

17520 West 12 Mile Road Suite 105 Southfield, Michigan 48076

Toll Free: 888-960-5303

Fax: 248-200-2108 9am-5pm EST

National Debt Management is not a loan company, we do not lend money.

Accredited 501(c)(3) Non-Profit Credit Counseling Agency

Michigan License No. 0014319

* Under our debt resolution program, estimates are based on prior results, which will vary depending on your individual program terms and your specific enrolled creditors. We cannot guarantee that we will be able to resolve all of your enrolled accounts or that we will be able to resolve them for a specific amount or within a specific period of time. Not all of our clients will be able to complete our program for any number of reasons, including, but not limited to, their ability to save enough money during the term of their program. Under our program, we do not assume the liability for your enrolled accounts, and unlike our debt management programs, should you choose to enroll in a settlement programs, we do not make monthly payments to your creditors. Failing to make timely payments to your creditors on your enrolled accounts will likely adversely affect your creditworthiness, increase the outstanding balances due to the accrual of interest charges, penalties and late fees, and may subject you to collection actions or lawsuits by your creditors. However, the repayment agreements that we may negotiate on your behalf will resolve the entire outstanding balance on that account, including any interest, penalties or fees accrued during your program participation. Any amount of debt forgiven by your creditors may be subject to income tax, and you should consult with an accountant or attorney regarding the potential tax consequences of paying less than the full amount owed on your enrolled accounts. We do not provide tax, accounting, legal or bankruptcy advice. We are not a credit repair company, and we do not provide credit repair services. You should carefully read all program materials prior to your enrollment to be sure you fully understand the terms and conditions of our program. Our program is not available in all states, and our fees vary by state.

** Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate with debt settlement companies. If we know that to be the case, we generally won’t enroll the account into your program.