DebtorCC

What DebtorCC does

DebtorCC, Inc. is a US Trustee-approved, BAPCPA-compliant provider of mandatory bankruptcy education courses, operating from Jersey City, New Jersey since 2011. The company delivers a two-course platform: a Pre-Filing Credit Counseling course required before filing Chapter 7 or Chapter 13 bankruptcy, and a Post-Filing Debtor Education course required after filing. Both courses are priced at $19.95 per household and are delivered online in text, video, and audio formats, with English and Spanish language support, 24/7 availability, progress saving, and instant certificate generation that can be sent directly to the customer's bankruptcy attorney.

The underlying technology is a self-serve web platform (debtorcc.org and a parallel debtoredu.com domain) with payment processing via Authorize.net, multi-device accessibility, and a separate attorney-facing portal for direct certificate delivery. Course completion takes approximately 60 minutes, with a 100% money-back guarantee prior to certificate generation and certificates valid for 180 days.

DebtorCC operates as a non-profit-approved agency under a corporate (Inc.) legal structure, holding US Trustee approval in all US States and Territories plus Bankruptcy Administrator approval in all districts of Alabama and North Carolina. Revenue is generated through one-time course fees, supplemented by a small store of ancillary financial education products (Budget Planner, Teen Books, Bankruptcy Records, The Clever Monkey, Budget Envelope Wallet). The go-to-market model is product-led growth via organic search, with phone-based customer support and trust signals (BBB accreditation, 4.9-star rating across 1,874 reviews) driving conversion.

Name

DebtorCC

Legal name

DebtorCC, Inc.

Website

https://debtorcc.org

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

DebtorCC, Inc. is a US Trustee-approved non-profit agency delivering mandatory pre-filing bankruptcy credit counseling and post-filing debtor education courses online to individual Chapter 7 and Chapter 13 bankruptcy filers across all US States and Territories at $19.95 per household.

Ownership category

akta.pro rank

Product category

Financial Counseling Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199)

akta.pro industry

PRIMARYFSAEAFAG

Bankruptcy Counseling & Pre-Filing Education

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Credit & Debt Advisory (Restructuring, Counseling & Settlement)

Keywords

• Bankruptcy credit counseling
• Pre-filing counseling
• Debtor education
• Financial counseling
• Bankruptcy courses

Headquarters

HQ city

Jersey City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Pre-Filing Bankruptcy Credit Counseling Course: One-time fee of $19.95 per household for the mandatory pre-filing bankruptcy credit counseling course. This course must be completed before filing Chapter 7 or Chapter 13 bankruptcy. The certificate of completion is valid for 180 days. A spouse can be included in the same household registration at no additional cost.
2. Post-Filing Debtor Education Course: Separate post-filing debtor education course offered at $19.95 per household for customers who have already filed for bankruptcy. This is a second mandatory course required after filing.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

DebtorCC delivers the federally mandated online bankruptcy credit counseling and debtor education courses required under BAPCPA 2005. Individuals completing Chapter 7 or Chapter 13 filings pay a flat $19.95 per household fee to take the Pre-Filing Credit Counseling course before filing and the Post-Filing Debtor Education course after filing, receiving an instantly generated certificate that is filed with the bankruptcy court. The service is delivered 24/7 online in English or Spanish via text, audio, and video formats.

Product overview

DebtorCC offers a dual-course platform for bankruptcy education: the Pre-Filing Credit Counseling Course (First Course) is required before filing for bankruptcy under BAPCPA, and the Post-Filing Debtor Education (Second Course) is required after filing. Both courses are available at $19.95 per household in text, video, and audio formats. The company also operates a store with supplementary financial products including Budget Planner, Teen Books, Bankruptcy Records, The Clever Monkey, and Budget Envelope Wallet.

Differentiator

Problem solved

Functional benefit

Brands

• DebtorCC.org: Online platform for bankruptcy credit counseling courses

Products and services

• Pre-Filing Credit Counseling Course (First Course) Federally mandated online bankruptcy credit counseling course that individuals must complete before filing Chapter 7 or Chapter 13 bankruptcy, delivering a court-accepted certificate of completion. Designed for self-represented individual debtors and attorneys acting on behalf of clients preparing a bankruptcy petition.
• Post-Filing Debtor Education (Second Course) Online debtor education course taken after a bankruptcy case has been filed, fulfilling the second federally mandated education requirement before the bankruptcy process is finalized. For individuals who have already filed Chapter 7 or Chapter 13 bankruptcy.

Quantifiable outcome

• Certificate valid for 180 days from completion date
• +2 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• US Trustee ProgramcoreStrategic or Co-development PartnerThe US Trustee Program is the government body that approves agencies to provide mandatory pre-filing bankruptcy credit counseling. DebtorCC holds official approval to issue certificates in all US States and Territories, making this the foundational regulatory partnership enabling the business.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• American Consumer Credit Counseling (ACCC): Non-profit credit counseling agency offering pre-bankruptcy counseling and post-bankruptcy debtor education courses approved across multiple US districts. Overlaps with DebtorCC on service catalog, pricing, and online delivery.
• Springboard Non-Profit Consumer Credit Management: Non-profit credit counseling organization with US Trustee approval offering the same mandatory pre-filing and post-filing debtor education courses online. Directly comparable offering and customer base.
• Money Management International (MMI): One of the largest US Trustee-approved non-profit credit counseling agencies offering the same pre-filing bankruptcy course and post-filing debtor education products. Directly comparable business model, pricing structure, and regulatory standing for the same customer segment.
• Clearpoint Credit Counseling Solutions: Non-profit US Trustee-approved credit counseling provider operating online pre-bankruptcy and debtor education courses. Direct competitor in the same course-and-certificate flow and household pricing model.
• Cambridge Credit Counseling: Non-profit credit counseling service offering online pre-filing bankruptcy counseling certificates. Operates in the same regulated category and competes for the same filer demand.
• InCharge Debt Solutions: Non-profit credit counseling agency providing BAPCPA-mandated pre-filing bankruptcy counseling and post-filing debtor education. Same regulatory approval profile and consumer audience as DebtorCC.
• GreenPath Financial Wellness: HUD- and US Trustee-approved non-profit credit counseling agency delivering pre-bankruptcy counseling and debtor education courses online. Competes head-to-head with DebtorCC on price, format, and national approval coverage.
• Take Charge America: Non-profit approved credit counseling agency providing pre-bankruptcy counseling and debtor education courses. Same US Trustee-approved product set and target persona as DebtorCC.

Emerging players

• Upsolve: Non-profit Chapter 7 bankruptcy filing assistance platform that helps filers prepare and file for free and is integrated with approved counseling agencies. Touches the same pre-filing journey and could be both a partner channel and a partial substitute for paid counseling referrals.
• Debtors Anonymous: Fellow-supported debt recovery program serving individuals in financial distress, including bankruptcy filers. Not a US-Provider of certificates but targets the same persona for complementary credit-counseling and financial-recovery services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/DebtorCC
• Facebookfacebook.com/debtorcc

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DebtorCC