Pre-filing Bankruptcy Counseling

Pre-Filing Bankruptcy Counseling

If considering bankruptcy, one must receive a Certificate of Counseling from an agency approved* by the United States Trustee before filing. Counseling sessions will include information on the bankruptcy process and discussion of the possible consequences of filing and available alternatives. The fee is $50.00 for an individual and $65.00 for a couple filing a joint petition and attending the same session. This may be waived if household income is less than 150% of the Federal Poverty Level. 

  • To schedule an in-person or telephone counseling session, call 319-398-3943 or 877-653-3123, or email solutions@horizonsfamily.org.
  • To complete the counseling online, please click here.
  • If you already have a username and password click here.

*Approval by the Department of Justice does not endorse or ensure the quality of an agency's services.

Privacy Policy

Our agency is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We assure you that all information shared both orally and in writing will be managed within legal and ethical considerations.