Our housing counseling services including foreclosure mitigation are offered at no cost. The fee for our credit counseling services is $50 for singles or couples. Pre-filing bankruptcy counseling services are available at a cost of $50 per person. Our pre-discharge bankruptcy education online course is available at $50 per person. Counseling fees may be adjusted in some cases. Those credit counseling clients choosing a debt repayment program will be asked to pay a small monthly fee between $20-$25 to cover expenses.