Costs

Budget and credit counseling
Free.

Debt management plan
The fee for participating in the debt management plan is the lessor of $40 per month or the amount permitted by state law.

Housing services
• Mortgage Default and Foreclosure Counseling
• Home Pre-Purchase Counseling
• Home Post-Purchase
• Rental Counseling
• Reverse Mortgage Counseling

Due to grant funding, we currently offer these five housing services at no cost.

Bankruptcy counseling
Pre-bankruptcy counseling (certificate included)

• Webinar: $40 for an individual, $50 for a couple
• Workshop: $50 for an individual, $60 for a couple
• One-on-one counseling: $90 per person
• One-on-one counseling: $85 per person (Oregon only)
• One-on-one counseling: $60 per person (New Jersey only)
• One-on-one counseling for couples: $120

Pre-discharge bankruptcy counseling (certificate included)

• Webinar: $40 for an individual, $50 for a couple
• Internet Course: $40 per person
• Workshop: $50 for an individual, $60 for a couple

Fees are current as of June 2011, and are subject to change without notice.