Bankruptcy Counseling and EducationConsumer Credit and Budget Counseling is approved to issue certificates evidencing completion of a personal financial management instruction course in compliance with the Bankruptcy Code in all states*

* - EXCEPT Alabama and North Carolina. If you reside in these states please find an approved agency at: Approval does not endorse or assure the quality of a Provider's

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This site provides the Personal Financial Management Instructional course an individual must receive before discharging debts under the bankruptcy code


The course covers the following information:

 Budget Development

Setting short-term and long-term financial goals, as well as developing skills to assist in achieving goals. 
Calculating gross monthly income and net monthly income.
Identifying and classifying monthly expenses as fixed, variable, or periodic


Money Management

Keeping adequate financial records. 
Develop decision-making skills required to distinguish between wants and needs, and to comparison shop for goods and services.
Maintaining appropriate levels of insurance coverage, taking into account the types and costs of insurance.
Saving for emergencies, for periodic payments, and meeting financial goals. 



Wise Use of Credit

The types, sources, and cost of credit and loans.
Identifying debt warning signs. 
Appropriate use of credit and alternatives to credit use. 
Checking a credit rating


Consumer Information

Public and non-profit resources for consumer assistance. 
Applicable consumer protection laws and regulations, such as those governing the correcting of a credit record and protection against consumer fraud. 

Consumer Credit and Budget Counseling
299 South Shore Road
Marmora, New Jersey 08223
P: 609-390-9652 or 888-738-8233
F: 609-390-9653 or 888-738-8234
Approved in: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Virgin Islands Washington West Virginia Wisconsin Wyoming