Credit Counseling in Arizona and Debtor Education

Here you will learn how to find approved providers of credit counseling in Arizona credit and debtor education.

Pursuant to the new bankruptcy laws enacted in 2005, individuals who file personal bankruptcy (with limited exceptions) in Arizona must:

1. take a credit counseling course from an approved Arizona credit counseling provider within six months before filing bankruptcy; and

2. complete a debtor education course from an approved Arizona debtor education agency prior to receiving a bankruptcy discharge.

There is a small fee ($50.00 to $100.00) for both credit counseling and debtor education. However, this fee may be waived depending on a person's ability to pay and/or other eligibility requirements. The fee waiver must be requested from the agency prior to receipt of services.