New Lower Prices
Step 1: Before Filing
Credit Counseling
Same Price For Single Or Joint Filers
New Lower Prices
Step 2: After Filing
Debtor Education
Same Price For Single Or Joint Filers
The New Non-Profit
One-Stop-Shop
For Bankruptcy Attorneys & Their Clients
"How your agency stepped in and helped
out was awesome. Thank you again!"
-SFT Attorney
Have you filed for bankruptcy?
Who We Are
Founded in 2005, Start Fresh Today’s platform has been used to help families
by providing Pre-Filing Credit Counseling and Post-Filing Debtor Education by EOUST-Approved Agencies
and to support attorneys by streamlining the bankruptcy process.
In March 2015, Start Fresh Today was acquired by Consumer Education Services, Inc.
(CESI), a non-profit service provider of comprehensive personal financial education
and solutions. CESI is EOUST-Approved to issue certificates in compliance with the
Bankruptcy Code.
Pre-Bankruptcy Credit Counseling
Before filing for Chapter 7 or Chapter 13 bankruptcy,
a Credit Counseling Certificate from an EOUST-Approved Agency is required by law.
Fulfill your requirement online or by phone in English or Spanish. It’s fast & easy
to get started!
Get Started Now
Debtor Education Course
After completing the Credit Counseling and filing
for bankruptcy, you are required to complete a Debtor Education Course by an EOUST-Approved
Provider. This course is offered online or by phone in English or Spanish. Your
fresh start awaits!
Get Started Now
Consumer Corner
Start Fresh Today’s platform offers a number of free resources to guide consumers
before, during, and after bankruptcy including eBooks, New Beginnings Magazine,
bankruptcy blog, step-by-step instructions, bankruptcy glossary, videos and more.
Get Started Now
Bankruptcy Attorneys
Start Fresh Today’s platform is a one-stop-shop offering bankruptcy certificates,
discounted due diligence products, and free document storage all in one place. Learn
more about how Start Fresh Today can help your firm save time and money.
Get Started Now
Bankruptcy Attorney Newsletter: Sign up
for your monthly brew of tips, exclusive offers, and bankruptcy blog
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Making a Difference, One Client at a Time
"Course was excellent and the customer service rep I
spoke with was great and very helpful."
Rciardo F, Ohio
"When I used your customer service, I was always completely
satisfied with the help and politeness I received. I applaud your company."
Kai H, Ft Lauderdale
"Our experience with this company was amazing. Not only
did we get excellent customer service and a great counseling session, but we learned
a lot of information through this bankruptcy. Thanks so much for your services."
Ashley U, Sacramento
Bankruptcy Blog
What's Happening
Stay in Touch
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.