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Before filing a bankruptcy case in Missouri and Illinois a debtor must obtain a credit counseling certificate.

Before filing for bankruptcy, you usually must receive credit counseling and a certificate showing that the counseling has been completed. The counseling must take place within the 180 days before filing, and in Illinois and Missouri, it must be provided by an organization approved by the Justice Department's U.S. Trustee's Program. In Missouri, you must file the certificate proving that you have completed credit counseling at the same time that you file your bankruptcy petition. In Illinois, you only need to file a form that states you have completed the course before filing.
What Happens During Credit Counseling?
A typical pre-filing credit counseling session lasts approximately 30 minutes. Most often, the class is done online or over the phone, no personal contact is necessary. The credit counselor reviews your personal financial picture with you and will talk to you your income and expenses. The information you provide to the credit counseling company has no effect on the bankruptcy filing and won’t be submitted to your bankruptcy attorney or court. The only reason to do the certificate is to obtain the certificate for filing bankruptcy. Some clients say it is a waste of time and money, others say they learned interesting information about budgeting and finances in general.

How much does it cost?
The usual fee for a pre-filing credit counseling session varies, but such fees average around $15 for the online course. It is normally more expensive doing it over the phone or in person. Our office will provide you with a list of approved credit counseling agencies when you start your case. If you cannot pay the fee, you can request a waiver, but you should do this before starting the counseling session.
Once the session is complete, you should receive the certificate proving that you underwent counseling. The credit counseling organization is not allowed to charge an extra fee for providing the certificate.
Provide a copy of the credit counseling certificate to your bankrutpcy attorney. The fasted way is to request that the counseling agency fax or email a copy of the certificate directly to your attorney. Your attorney need the certificate in order to file your bankruptcy case.

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1861 Sherman Drive
St Charles, MO 63303
Phone: 636-916-5400

At Hwy 94 and Hwy 70.

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St. Louis Office

3470 Hampton Ave, Suite 101
St. Louis, MO 63109
Phone: 314-353-0834

Close to the corner of Hampton Ave and Chippewa. By appointment only.

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South & Jefferson County office

7321 S. Lindbergh Ave., Suite 222
St. Louis, MO 63125
Phone: 636-916-5400

Across the South County Mall.

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Florissant Office (North County)

1281 Graham Rd, Suite 300
Florissant, MO 63031
Phone: 314-921-1880

At North Hanley and Hwy 270.

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Belleville Office (St. Clair county)

2 Park Place Professional Centre
Belleville, Illinois 62226
Phone: 618-977-9560

On Hwy 159, next to Schnucks.

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Granite City Office (Madison County)

3600 Nameoki Rd, Suite 201
Granite City, IL 62040
Phone: 618-977-9560

Across Shop'n Save, by appointment only.

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