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Anyone who has filed for bankruptcy in the state of North Carolina is required to complete a pre-bankruptcy credit counseling and pre-discharge debtor education. These requirements must be met in order for your debts to be discharged and a certificate of completion for both will serve as the proof that indicates you competed both. The pre-credit bankruptcy counseling is something that needs to be done prior to filing for bankruptcy and the debtor education must occur after you file.

In most states, the U.S. Trustee program is the one who approves which organizations and education course providers you can use as well as issue the certificates of completion, however, the laws in North Carolina vary.

In the state of North Carolina, the U.S. Trustee Program does not operate which means Bankruptcy Administrators are the ones who will approve your pre-bankruptcy credit counseling organization as well as the pre-discharge debtor provider.

If you feel you need help with this, our licensed and reliable bankruptcy attorneys in North Carolina can help you. Because the credit counseling is a requirement that must be met before you can file, you want to ensure you do it through an approved organization to avoid any delay in getting your bankruptcy application filed.

Pre-Bankruptcy Credit Counseling Organizations

If you are wanting to find a provider who you can complete your credit counseling through, below is a list of some that have been approved by Bankruptcy Administrators. While many of these companies operate outside of the state of North Carolina, they do provide their services online. You can also check to see whether or not both your credit counseling and pre-discharge debtor education course can be provided as some might offer both services.


123 Credit Counseling, Inc.

6161 Blue Lagoon Drive, Ste.255A Miami, FL 33126
Phone: 305-269-9201
Fax: 305-269-0473



Abacus Credit Counseling

17337 Ventura Blvd., Ste.226 Encino, CA 91316
Phone: 800-516-3834
Fax: 818-477-0496

Email: [email protected]


Action Pathways, d/b/a-Consumer Credit Counseling Service of Fayetteville

316 Green Street Post Office Box 2009 Fayetteville, NC 28302
Phone: (910) 323-3192
Fax: 910-323-4990

Email: [email protected]



Allen Credit and Debt Counseling Agency

20003 387th Ave.,
Wolsey, SD 57384
P.O. Box 195
Wessington, SD 57381 Phone: 888-415-8173
Fax: 605-610-4059



Alliance Credit Counseling, Inc.

15720 Brixham Hill Ave., #575 Charlotte, N.C. 28277

Phone: 704-540-2477
Fax: 704-540-8383

Email: [email protected], [email protected]


Arbor Investments

1850 S. 72nd Street
Omaha NE
Phone: 402-393-0119
Fax: 402-393-1579


703 Washington Ave., Ste. 230.-D. Bay City, MI 48708
Phone: 855-976-1700
Fax: 877-419-2702

Email: [email protected]



Because there are so many requirements that you must meet before and even after you file for bankruptcy, it would a wise decision to speak with a NC bankruptcy lawyer who is familiar with the laws and has years’ worth of experience. Our featured lawyers can provide you with this and much more as they are some of the top in the field.