Credit Counseling & Debtor Education Information

Credit Counseling for Consumers
Debtor Education
The United States Trustee Program does not endorse or recommend any particular credit counseling agency or debtor education provider, or guarantee the quality of its counseling or instructional services.
If you wish to apply for approval to provide nonprofit budget and credit counseling services, and/or post-filing debtor education, please click on the "Application, Instructions, and Appendices" links below.
Credit Counseling
Debtor Education
» Important Notices

Waiver of Credit Counseling and Debtor Education Requirements in the Districts of Puerto Rico and the Virgin Islands


Effective September 28, 2017, the Acting United States Trustee for Region 21 has temporarily waived the credit counseling and financial management education requirements for individual bankruptcy filers in the District of Puerto Rico and the District of the Virgin Islands due to the effects of Hurricanes Irma and Maria.  These waivers are made pursuant to 11 U.S.C. § 109(h)(2)(A), 727(a)(11), and 1328(g)(2).  The waivers will remain in effect until further notice. 


Credit Counseling Final Rule:

EOUST-102 [PDF -690 KB]
Debtor Education Final Rule:
EOUST-104 [PDF - 511 KB]
Administrative decisions regarding credit counseling agencies and debtor education providers:
Judicial Districts:
Report Complaints:
Complaints? Contact Us:
Updated April 10, 2018

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