123 Credit Counselors

123 Credit Counselors, Inc. offers two courses which are pre-filling credit counseling and pre-discharge debtor education. The classes for the two are available via telephone or in person. If you are planning to file for bankruptcy you are required to take the pre-filing credit counseling course. Pre-filing bankruptcy is required prior discharging bankruptcy. 123 Credit Counselors has experienced and understanding counselors and has also been approved to issue certificates after completion of each course.

The cost for a single session and for a joint counseling session is only $30 and this is great for students since they pay less but get more. Payments can be made by credit card, debit card or money order. A certificate of completion is issued without any additional fee for the course completed. 123 Credit Counselors programs were designed for individuals who are on a tight budget and in need of a site that is convenient and cheap.  In case an individual does not have the ability to pay for the course, he/she can request the waiver form. 123 Credit Counselors has a great customer support to assist individuals in times of need. In addition, 123 Credit Counselors has live support to answer questions from customers.


Step 1 – Click here to open the website in a new tab and you will see the login fields on the upper-right corner of the screen.

Step 2 – Enter your username and password, select the course you want and then click on the “Login” button.

You should not have problems accessing your online account if your details were typed correctly and associated with your account.


Step 1 – In case you happen to forget either your username or password, click “here” which is below the login fields.

Step 2 – Enter either your login name or email address associated with your online account and then click on the “Submit” button.

An email with instructions on how to retrieve your credentials will be sent to you in a short while. Follow the instructions sent to reset your password.


Step 1 – Click “GET STARTED NOW” to start the pre-filing credit counseling course and then make an online payment.

Note that you must first register for the first course before you can proceed further and make payments. You will also have to register for the second course before you can proceed to make a payment online.