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Have you already filed for bankruptcy?


No, I have not
Course 1: Before filing

Before you can file, you must complete a credit counseling course from an approved agency*, like us.

Yes, I have
Course 2: After filing

After you file, and before your debts can be discharged, you must complete a financial education course from an approved agency*, like us.


Your first step to a fresh start begins here. Call us at 1-866-859-7323.

We are an approved provider*, we provide quality unbiased counseling assistance, and we're here to help. Online and phone courses, as well as counselors and technical support, are available 24/7.
*Approval does not endorse or assure the quality of a provider's services.

Why Choose BKcert?

Course 1 and Course 2 are offered through BKcert, a U.S. Trustee approved agency*.
  • Unparalleled expertise
  • Unbiased counseling
  • Unrivaled convenience
  • Couples filing jointly can complete courses together, at no additional charge

What Is DECAF?

Debt Education & Certification Foundation (DECAF) provides credit counseling certificates as required before filing for bankruptcy and Debtor Education courses to be completed after filing.

Contact Us

1-866-859-7323
DECAF
114 Goliad Street
Benbrook, TX 76126-2009
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