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Fee Schedule

  • Credit Counseling (Pre-Filing Course): $50 (for individual or couple filing together)
  • Debtor Education (After Filing Course): $50 (for individual or couple filing together)
Fee waiver is available in cases where the debtor has income less than 150 percent of the poverty guidelines last published by the United States Department of Health and Human Services (DHHS) (http://aspe.hhs.gov/poverty/15poverty.cfm). Review these guidelines to see if you qualify, or contact DECAF for assistance. To download the 'Fee Waiver Request Form', click here, send a written request, along with evidence of income, to: DECAF, 114 Goliad Street, Benbrook, TX 76126. If you qualify for a fee waiver, DECAF will provide you with a username and password to complete the online course. Courses must be taken online. Other Disclosures


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
112 Goliad Street
Benbrook, TX 76126-2009
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