MANAGING YOUR DEBT

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  • Don't apply for more than one or two credit cards at a time.

    • Each inquiry about your credit is included in your credit report. If too many credit grantors inquire at once, they'll all be suspicious of your intentions.

    THIS WEBSITE IS FOR RESIDENTS OF THE STATE OF ALABAMA ONLY 

    Credit Counseling (before bankruptcy) State of Alabama ONLY

    CFEFA's trained, experienced and certified credit counselors are dedicated to assisting clients during times of economic hardship by analyzing each client's financial condition and meeting in person or electronically with clients to help discuss the factors causing the client's financial condition and to explore viable options for resolution of credit problems that do not involve negative amortization of the client's debt. 

    If you are considering filing a bankruptcy petition, federal law requires that you receive a certificate of credit counseling from an approved non-profit agency within 180 days of filing the petition.  If you would like to receive credit counseling from CFEFA, please click here or follow the link below.

     *Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services.

    Pre-Bankruptcy Counseling