Login to DECAF
⚠ Important Notice: Our website will be down intermittently starting on Tuesday, May 5th at 9PM Central Time as we transition to our upgraded website. All courses should be saved and logged out BEFORE 9PM CT on May 5th. Our website may be unavailable that evening and course progress not saved prior to this time may be lost. Please mark your calendar for this day and time.
Click Here ยป
We're experts at facilitating the needs of bankruptcy attorneys and their clients. Set up a no-cost, no-obligation attorney account today.
Sign Up Free!

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.

For Fee Waiver Qualifications, click here.

Contact Us

1-866-859-7323
DECAF
114 Goliad Street
Benbrook, TX 76126-2009
additional contact information »