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After you have completed the Credit Counseling and filed for bankruptcy, you will need to complete the Post-Filing Debtor Education online or by phone. 

The Pre-Filing Credit Counseling can be taken online or by phone and must be completed within 180 days prior to filing for bankruptcy.

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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 

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 2017 CESI dba Start Fresh Today

Step 1: 
Pre-Filing Credit Counseling
Step 2: 
Post-Filing Debtor Education

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

Cherry Hill Office
Phone: (856) 751-4224
Fax: (856) 751-4226

1926 Greentree Road, Ste. 100
Cherry Hill, NJ 08003
 

 

 

 

Mount Holy Office
Phone: (609) 265-9065
Fax: (856) 751-4226

137 High Street
Mount Holly, NJ 08060
 

 

 

 

Toms River Office
Phone: (732) 244-2024
Fax: (856) 751-4226

230 Main Street, St. B
Toms River, NJ 08753