No stored Google rating available.
Non-profit bankruptcy credit counseling provider offering court-mandated pre- and post-filing courses required under BAPCPA for Chapter 7 and 13 filers.
Data compiled from public sources
Approved Credit Counseling is a federally-approved non-profit credit counseling agency specializing in bankruptcy education and debt management guidance. The company claims over 15 years of experience spanning debtor, creditor, and legal advocacy perspectives in the bankruptcy field. They position themselves as a comprehensive resource for individuals navigating the bankruptcy process with a holistic approach to debt management.
The company primarily offers two structured online courses: a pre-filing bankruptcy credit counseling course (required before filing Chapter 7 or 13 bankruptcy) and a post-filing debt counseling course. Both courses are delivered online and available 24/7. The pre-filing course costs $19.95 per household, runs approximately 1 hour (as mandated by law), and allows participants to work at their own pace with resume capability. Married couples may file jointly or separately. Upon completion and consultation with a live counselor, participants receive an immediately-issued certificate of completion, which satisfies the legal requirement under the Bankruptcy Abuse Consumer Protection Act (BAPCPA) of 2005.
Approved Credit Counseling is officially approved by bankruptcy courts to issue certificates in all U.S. states and territories. The company emphasizes accessibility through low cost, round-the-clock availability, and user-friendly navigation. Their website indicates this is a "no-fail" course designed to prepare individuals for bankruptcy proceedings rather than disqualify them. The platform includes features for attorney code requests, suggesting integration with legal professionals.
A key limitation is that this organization appears primarily focused on meeting the minimum legal requirement rather than providing comprehensive debt prevention or alternative financial solutions. The service is narrowly tailored to bankruptcy filers specifically and does not appear to offer credit repair, debt settlement negotiation, or alternatives to bankruptcy. While legitimate and federally-approved, the offerings are transactional rather than transformative—users should not expect this service to prevent or substantially alter a bankruptcy trajectory.
This is state-level context for Free Help consumers in Brooklyn, NY. It does not confirm that Approved Credit Consulting or this specific location is licensed.
State regulator
New York Department of Financial Services
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Approved Credit Consulting offers 9 services including Pre-filing bankruptcy credit counseling course (1 hour, $19.95), Post-filing debt counseling course (2 hours 15 minutes, $14.95), Live counselor consultation and certification issuance, Federal bankruptcy course certificate (valid in all U.S. states and territories), 24/7 online course access with self-paced learning, and 4 more.
Approved Credit Consulting has profile signals associated with Individuals who have decided to file Chapter 7 or Chapter 13 bankruptcy and need to satisfy the legal pre-filing counseling requirement, Married couples filing jointly seeking affordable, flexible online bankruptcy education, People seeking to complete the mandatory BAPCPA counseling requirement quickly and inexpensively before meeting with a bankruptcy attorney.
Key strengths: Federally approved to issue bankruptcy counseling certificates in all 50 U.S. states and territories; Very low cost at $19.95 per household for pre-filing course; Available 24/7 online with self-paced completion; no requirement to finish in one sitting. Areas to consider: Narrowly focused on bankruptcy compliance only; does not offer alternatives to bankruptcy or debt prevention strategies; Limited detail provided about counselor qualifications, experience, or credentials on the website.
In the Free Help category, comparable providers include Center for NYC Neighborhoods, Consumer Credit Counseling Service of Rochester, New Economy Project. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Approved Credit Counseling is best suited for individuals who have already committed to filing bankruptcy and need to fulfill the federally-mandated pre-filing counseling requirement quickly and affordably. The main caveat is that this is a compliance service, not a financial rescue service—it does not offer debt negotiation, alternatives to bankruptcy, or long-term financial rehabilitation beyond meeting legal minimums. Seek this service only if bankruptcy filing is already underway or planned.
HUD-approved non-profit providing free homeowner counseling for mortgage assistance, foreclosure prevention, and affordable housing protection across New York State.
Profile signals: New York homeowners at risk of missing mortgage payments seeking free counseling, Families facing foreclosure who need legal and financial navigation support
Non-profit credit counseling agency in Rochester, NY offering debt management, credit counseling, and housing advice for over 50 years. Free consultations and certified counselors.
Profile signals: Individuals with multiple credit cards maxed out seeking affordable debt consolidation and payment reduction, First-time homebuyers in Rochester area needing down payment assistance and homeownership education
NYC-based nonprofit providing free legal advice, financial counseling, and organizing support to low-income residents fighting economic injustice with high-cost lending risk context finance.
Profile signals: Low-income NYC residents seeking free legal advice about high-cost lending, financial discrimination, or debt-related legal issues, Community organizers and groups building campaigns for financial justice and economic equity in their neighborhoods
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