Before filing bankruptcy, consumers must receive counseling from a credit counseling agency approved by the Bankruptcy Administrator of the district in which the consumer intends to file.   Counseling includes budget preparation, an analysis of the consumer's debt, a discussion of options other than bankruptcy that the consumer may wish to consider, and some general information about bankruptcy.   Pre-file certificates are good for 180 days after counseling is complete. 

We do not refuse services upon an inability to pay. If your income is below the poverty level, you may be eligible to have fees waived. Proof of income is required. At the time, we do not receive funding from other entitites.

Budget Counseling

Fee: $25.00 Single/ $35.00 Couple

Are you ready to take control of your personal finances? A budget is the best tool to help you get a clear sense of your current financial situation. The counselor will help you create a personal financial budget by using objective measures such as net worth, debt-to-income ratio, and budget analysis. A budget will set the stage for all future financial planning and goal setting.



The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.  

To order, visit, call 1-877-322-8228 or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the three nationwide credit reporting companies individually.  

My name is Era Sellers and I have been a certified credit counselor for over thirteen years. My mission is to continue  providing quality and professional credit counseling services by telephone to clients. My goal is to keep the credit counseling process as stress free as possible. Therefore, I have placed only the information you will need to complete Pre-Filing Bankruptcy Counseling, Budget Counseling and Credit Report Review.  Please reserve all legal questions for your attorney.

Credit Report Review

Free Credit Report

​​​​​​Birmingham Financial Counseling, Inc.


Hours of Operation:

 Monday - Friday 8:00 am to 6:00 pm

Will accept emergency filings

Pre-Filing Bankruptcy Certificate

Fee: $35.00 Single/ $45.00 Couple