Attorney Benefits

Debt Education and Certification Foundation (DECAF) understands the demands of meeting the requirements of the Bankruptcy Abuse Prevention and Consumer Protection Act. Our system is designed to facilitate the needs of bankruptcy attorneys and their clients in meeting these requirements in a timely, user-friendly environment with exceptional customer service.

To set up your free attorney account and get started
Register Here
or contact our Attorney Relations department.

Here are just a few of the benefits DECAF provides your firm and your clients by setting up a no cost, no obligation Attorney Account:

Available Courses

  • Credit Counseling
    • Online or telephone available 24/7 in English and Spanish
  • Debtor Education
    • Online or telephone available 24/7 in English and Spanish

Discounted Pricing

  • Credit Counseling and Debtor Education courses are discounted to $40 each (a $10 savings) when registered through an attorney account
  • NO additional fees for joint courses, both clients will receive individual completion certificates at no extra cost for the spouse
  • Any discount from the full fee, or free courses received, must be refunded or otherwise credited by counsel to client (if not already applied).
  • Any discounts from the regular fee or fee waivers must be credited to, and provided for the benefit of the client only.

Live 24/7 Counseling and Support

  • DECAF has counseling and Technical Support staff available 24/7

Free Trial Courses

  • 1 Free Credit Counseling Course and 1 Free Debtor Education Course once you set-up an Attorney Account
  • Completion certificates will post to your online account and be emailed to the address you designate during account setup
  • Any discount from the full fee, or free courses received, must be refunded or otherwise credited by counsel to client (if not already applied).
  • Any discounts from the regular fee or fee waivers must be credited to, and provided for the benefit of the client only.

Automated Certificate Delivery

  • Certificates automatically emailed to the address designated by the attorney upon issuance of the certificate in PDF format
  • Certificates automatically post to the attorney's online account as a PDF document appropriate for electronic filing
  • Reduces reliance on counselors manually sending faxes or emails to reduce human errors

Billing Options

  • Courses can be billed to the attorney OR the client, depending on the needs of your firm
  • Client receives attorney discount pricing regardless of the billing option chosen
  • Most attorneys prefer to have courses billed to them for the convenience of the debtor, but the choice is up to your firm
  • NO generic billing codes used to avoid unauthorized charges to the attorney
  • Any discounts from the regular fee or fee waivers must be credited to, and provided for the benefit of the client only.

To set up your free attorney account and get started
Register Here
or contact our Attorney Relations department.

Attorney Relations

  • Phone Direct: (877) 332-2366
  • Phone Main: (866) 859-7323
  • By Email: attorneyrelations@debt-foundation.org
  • Address:
  • 112 Goliad Street
  • Benbrook, TX 76126-2009

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
additional contact information »