Pre-Bankruptcy Credit Counseling

Notice: Reduced Holiday Hours for Christmas
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Urgent Counseling Hours of Operation

Urgent Credit Counseling counselors are available for one-on-one counseling and issuing certificates:

• Monday to Friday 6 am - 11 pm Pacific Time (9 am - 2 am Eastern Time)

• Saturday and Sunday 12 noon - 11 pm Pacific Time (3 pm - 2 am Eastern Time)

Counseling Materials Available 24/7

Holidays observed: New Years Day, Memorial Day, Independence Day (Fourth of July), Labor Day, Thanksgiving, Christmas.

Please note that Urgent Counseling usually has reduced hours on the Friday after Thanksgiving, and on Christmas Eve. All holidays and reduced hours will be posted on the Urgent Counseling home page at least one week in advance.