IRS National Standards for Allowable Living Expenses

 Before you file, check out the IRS National Standards for Allowable Living Expenses, good stuff to know!

 http://www.justice.gov/ust/eo/bapcpa/20051017/bci_data/national_expense_standards.htm

PRE-FILING REQUIREMENTS

Here's a link to the US Bankruptcy Court that explains Pre-Filing requirements for Pro Se filers.
https://azb.uscourts.gov/Documents/self_represented_debtor_notice.pdf

APPROVED CREDIT COUNSELING AGENCIES FOR ARIZONA

(I PERSONALLY RECOMMEND GREENPATH...THEY'RE GREAT!)   Approved Credit Counseling Agencies

Arizona

AZstrict of Arizona

1st Choice Credit Counseling & Financial Education a/k/a DBSM, Inc. www.mybknow.com Main Address:   2049 Marco Drive Camarillo, CA  93010  877-692-5669 Delivery Method:   Internet: www.mybknow.com or www.mybknowspanish.com English and Spanish   Telephone: 877-692-5669 English and Spanish

A 123  Credit Counselors, Inc www.a123cc.com Main Address:   703 Waterford Way (NW 62nd Ave.) Suite 220 Miami, FL  33126  305-269-9201 Delivery Method:   Internet: www.a123cc.org English and Spanish   Telephone: 1-888-412-2123 English and Spanish   Internet/Telephone: www.a123cc.org / 888-412-2123 English and Spanish

Abacus Credit Counseling www.abacuscc.org Main Address:   15760 Ventura Boulevard Suite 700 Encino, CA  91436  800-516-3834 Delivery Method:   Internet: www.abacuscc.org English and Spanish   Telephone: 800-516-3834 English and Spanish

Advantage Credit Counseling Service, Inc. www.advantageccs.org Main Address:   River Park Commons 2403 Sidney Street, Suite 400 Pittsburgh, PA  15203  888-511-2227 Delivery Method:   Internet: www.advantagecccs.org     Telephone: 888-511-2227

Advisory Credit Management, Inc. www.advisorycreditmanagement.org Main Address:   5769 West Sunrise Blvd. Plantation, FL  33313  800-786-3940 Delivery Method:   Internet: www.advisorycreditmanagement.org English and Spanish

Allen Credit and Debt Counseling Agency www.acdcas.com Main Address:   195 Brook Street  Wessington, SD  57381  888-415-8173 Delivery Method:   Internet: www.acdcas.com English and Spanish (Interpreter Only)   Telephone: 888-415-8173 English and Spanish (Interpreter Only)

Alliance Credit Counseling, Inc. www.knowdebt.org Main Address:   13777 Ballantyne Corporate Pl. Suite 100 Charlotte, NC  28277  888-594-9596 Delivery Method:   Telephone: 888-594-9596 English and Spanish   Internet/Telephone: www.knowdebt.org / 888-594-9596 English and Spanish

Alpha Community Services www.alphacommunityservices.org Main Address:   121 West Water Street Suite D Sandusky, OH  44870  419-626-1450 Delivery Method:   Telephone: 419-626-1450

American Consumer Credit Counseling, Inc. www.ConsumerCredit.org Main Address:   130 Rumford Avenue Suite 202 Newton, MA  02466  866-826-6924 Delivery Method:   Internet: www.consumercredit.org English and Spanish   Telephone: 1-866-826-6924 English and Spanish

BKEDCERT.com a d/b/a of Pacific Rim Institute for Development  and Education, Inc. www.bkedcert.com Main Address:   6230 Wilshire Blvd. Suite 1763 Los Angeles, CA  90048  800-845-7171 Delivery Method:   Internet/Telephone: www.PacificRimCounseling.com / 1-800-845-7171 English and Spanish

Black Hills Children's Ranch, Inc. www.pioneercredit.com Main Address:   1644 Concourse Drive Rapid City, SD  57703  605-348-1608 Delivery Method:   Internet: www.pioneercredit.com English and Spanish   Telephone: 800-888-1596 English and Spanish   Internet/Telephone: www.pioneercredit.com / 800-888-1596 English and Spanish

CCCS of Ventura County, Inc. / SurePath Financial Solutions www.surepath.org Main Address:   80 North Wood Road Suite 200 Camarillo, CA  93010  877-615-7873 Delivery Method:   Internet: www.surepath.org English and Spanish   Telephone: 877-615-7873 English and Spanish

Children's and Family Service d/b/a Family Service Agency www.familyserviceagency.com Main Address:   535 Marmion Avenue Youngstown, OH  44502  330-782-5664 Delivery Method:   Telephone: 330-782-5664 English and Spanish

ClearPoint Financial Solutions, Inc. www.clearpointfinancialsolutions.org Main Address:   8000 Franklin Farms Drive Richmond, VA  23229  804-222-4660 Delivery Method:   Internet: www.clearpointfinancialsolutions.org English and Spanish   Telephone: 877-422-9046 English and Spanish   Internet/Telephone: www.clearpointfinancialsolutions.org / 877-422-9046 English and Spanish

Colorado Credit Counselors www.cocredit.org Main Address:   1690 S. Federal Blvd. Denver, CO  80219  303-551-5599 Delivery Method:   Telephone: 800-569-9269

Community Credit Counselors, Inc. www.bankruptcyinfo.org Main Address:   101 N. Lynnhaven Road Suite 303 Virginia Beach, VA  23452-7523  800-531-5124 Delivery Method:   Internet: bankruptcyinfo.org     Telephone: 800-531-5124

ConsumerBankruptcyCounseling.info, a Project of the Tides Center www.tidescenter.org Main Address:   1014 Torney Avenue San Francisco, CA  94129   Delivery Method:   Internet: www.consumerbankruptcycounseling.info

Consumer Credit Counseling Service of Greater San Antonio www.debt.org Main Address:   6851 Citizens Parkway Suite 100 San Antonio, TX  78229  210-979-4300 Delivery Method:   Internet: www.debt.org     Telephone: 210-979-4300 English and Spanish

Consumer Credit Counseling Service of Maryland & Delaware, Inc. www.cccs-inc.org Main Address:   757 Frederick Road 2nd Floor Baltimore, MD  21228  800-642-2227 Delivery Method:   Internet: www.cccs-inc.org     Telephone: 800-642-2227

Consumer Credit Counseling Service of Orange County www.cccsoc.org Main Address:   1920 Old Tustin Avenue Santa Ana, CA  92832  888-289-8230 Delivery Method:   Internet: www.cccsoc.org     Telephone: 888-289-8230 English and Spanish

Consumer Credit Counseling Service of Rochester, Inc. www.RethinkingDebt.org Main Address:   1000 University Avenue Suite 900 Rochester, NY  14607  888-724-2227 Delivery Method:   Internet: www.cccsofrochester.org English and Spanish   Telephone: 888-724-2227 English and Spanish

Consumer Credit Counseling Service of San Francisco www.cccssf.org Main Address:   595 Market Street Suite 1500 San Francisco, CA  94105  800-777-7526 Delivery Method:   Internet: www.cccssf.org     Telephone: 800-777-7526 English and Spanish   Internet/Telephone: www.cccssf.org / 800-777-7526 English and Spanish

Consumer Credit Counseling Service of Southern Nevada and Utah www.cccsnevada.org Main Address:   2650 South Jones Las Vegas, NV  89146  800-451-4505 Delivery Method:   Internet: www.cccsnevada.org     Telephone: 800-451-4505 English and Spanish

Consumer Credit Counseling Service of the Midwest, Inc. www.cccservices.com Main Address:   4500 East Broad Street Columbus, OH  43213  800-355-2227 Delivery Method:   Internet: www.cccservices.com     Telephone: 800-355-2227

Consumer Credit Counseling Service of West Florida, Inc. www.cccswfl.org Main Address:   14 Palafox Place Pensacola, FL  32502  800-434-0268 Delivery Method:   Internet: www.cccswfl.org     Telephone: 800-343-3317

Consumer Financial Education Foundation of America, Inc. www.cfefa.org Main Address:   2 North 20th Street  Suite 1030 Birmingham, AL  35203  205-321-2822 Delivery Method:   Internet: www.cfefa.org     Telephone: 1-866-684-8171

CredAbility, Consumer Credit Counseling Service of Greater Atlanta, Inc. www.credAbility.org Main Address:   270  Peachtree Street NW Suite 1800 Atlanta, GA  30303  866-672-2227 Delivery Method:   Internet: www.credability.org English and Spanish   Telephone: 866-672-2227 English and Spanish

Credit Advisors Foundation www.creditadvisors.org Main Address:   1818 South 72nd Street Omaha, NE  68124  402-393-3100 Delivery Method:   Internet: www.yourbankruptcypartner.com     Telephone: 800-625-7725 English and Spanish   Internet/Telephone: www.yourbankruptcypartner.com / 800-625-7725     In Person:   Credit Advisors Foundation 7525 East Camelback Road  Suite 210 Scottsdale , AZ  85251 800-625-7725 English and Spanish

Credit Card Management Services, Inc. www.mybkcounseling.com Main Address:   4611 Okeechobee Blvd. Suite 114 West Palm Beach, FL  33417  800-920-2262 Delivery Method:   Internet: www.debthelper.com English and Spanish   Telephone: 800-920-2262 English and Spanish   Internet/Telephone: debthelper.com / 800-920-2262 English and Spanish

Cricket Debt Counseling www.cricketdebt.com Main Address:   10121 SE Sunnyside Rd. Suite 300 Clackamas, OR  97015  866-719-0400 Delivery Method:   Internet: www.cricketdebt.com English and Spanish   Telephone: 866-719-0400 English and Spanish

Debt Education and Certification Foundation www.debt-foundation.org Main Address:   112 Goliad Street Suite D Benbrook, TX  76126  866-859-7323 Delivery Method:   Internet: www.debt-foundation.org     Telephone: 866-859-7323 English and Spanish   Internet/Telephone: www.debt-foundation.org / 866-859-7323

Debt Management Credit Counseling Corp. www.dmcccorp.org Main Address:   700 W. Hillsboro Blvd  Building 1, Suite 105 Deerfield Beach, FL  33441  954-418-1466 Delivery Method:   Telephone: 888-777-0981

DebtorWise Foundation www.debtorwise.org Main Address:   14 Austin Park Suite 100 Pittsford, NY  14534  585-385-6699 Delivery Method:   Internet: www.debtorwise.org English and Spanish   Telephone: 585-563-7715 English and Spanish

Debt Reduction Services, Inc. www.debtreductionservices.org Main Address:   6213 N. Cloverdale Road Suite 100 Boise, ID  83713  208-378-0200 Delivery Method:   Telephone: 877-688-3328 English and Spanish   Internet/Telephone: www.debtreductionservices.org / 877-688-3328

Evergreen Financial Counseling www.evergreenclass.com Main Address:   2080 SE Oak Grove Boulevard #24 Milwaukie, OR  97267  800-581-3513 Delivery Method:   Internet: www.evergreenclass.com     Telephone: 800-581-3513

Family Financial Education Foundation www.ffef.org Main Address:   724 Front Street Suite 340 Evanston, WY  82930  307-789-2010 Delivery Method:   Telephone: 1-888-292-4333 English and Spanish

Financial Fitness Services, Inc. financialfitnessservices.com Main Address:   1226 Linn Street Suite C Sikeston, MO  63801  888-471-9737 Delivery Method:   Telephone: 888-471-9737

Forbes & Newhard Credit Solutions, Inc. forbescs.us Main Address:   7505 Tiffany Springs Parkway Suite 130 Kansas City, MO  64153  816-442-7036 Delivery Method:   Telephone: 866-351-0322

Garden State Consumer Credit Counseling, Inc., d/b/a Novadebt www.novadebt.org Main Address:   225 Willowbrook Road Freehold, NJ  07728  732-409-6281 Delivery Method:   Telephone: 800-992-4557 English and Spanish   Internet/Telephone: www.novadebt.org / 800-992-4557 English and Spanish

Granite Lake Educational Resources www.backtogo.org Main Address:   111 West Cataldo Suite 200 Spokane, WA  99201  509-325-2511 Delivery Method:   Telephone: 866-366-0599 English and Spanish   Internet/Telephone: www.backtogo.org / 866-366-0599 English and Spanish

GreenPath, Inc. www.greenpathbk.com Main Address:   38505 Country Club Drive, Suite 210 Farmington Hills, MI  48331-3429  800-630-6718 Delivery Method:   Internet: www.greenpathbk.com     Telephone: 800-630-6718 English and Spanish   Internet/Telephone: www.greenpathBK.com / 800-630-6718     In Person:   GreenPath, Inc. 401 W. Baseline   Suite 206 Tempe , AZ  85283 1-800-630-6718 English and Spanish

Hananwill Credit Counseling www.hananwill.com Main Address:   115 North Cross Street Robinson, IL  62454  877-544-5560 Delivery Method:   Internet: www.hananwill.com     Telephone: 877-544-5560

Hummingbird Credit Counseling and Education, Inc. www.hbcce.org Main Address:   3737 Glenwood Avenue Suite 100 Raleigh, NC  27612  800-645-4959 Delivery Method:   Internet: www.hbcce.org English and Spanish   Internet/Telephone: www.hbcce.org / 800-645-4959 English and Spanish

InCharge Debt Solutions www.bankruptcy.incharge.org Main Address:   5750 Major Blvd Suite 175 Orlando, FL  32819  877-267-0604 Delivery Method:   Internet: www.bankruptcy.incharge.org English and Spanish

InCharge Education Foundation, Inc. www.inchargefoundation.org Main Address:   5750 Major Blvd Suite 310 Orlando, FL  32819  866-729-0049 Delivery Method:   Internet: www.personalfinanceeducation.com English and Spanish   Telephone: 1-866-729-0049

Institute for Financial Literacy, Inc. www.financiallit.org Main Address:   449 Forest Avenue Portland, ME  04101  207-879-0389 Delivery Method:   Telephone: 866-662-4932     Internet/Telephone: www.financiallit.org / 866-662-4932

iPayDebt Financial Services, Inc. d/b/a Cornerstone Financial Education www.ipaydebt.com Main Address:   3011 North Lamar Boulevard Austin, TX  78705  512-263-0532 Delivery Method:   Internet: www.csfedu.org     Internet/Telephone: www.csfedu.org / 800-336-1245

Money Management International, Inc. www.moneymanagement.org Main Address:   14141 Southwest Freeway Suite 1000 Sugar Land, TX  77478-3494  (877) 964-2227 Delivery Method:   Internet: www.moneymanagement.org English and Spanish   Telephone: (877) 964-2227 English and Spanish   In Person:   MMI 2615 N. 4th Street  Suite 2 Flagstaff , AZ  86004 800-308-2227 English and Spanish (Printed Materials Only)   MMI 17235 N. 75th Avenue   Suite C-125 Glendale , AZ  85308 800-308-2227 English and Spanish   MMI 1234 S. Power Road   Suite 100 Mesa , AZ  85206 800-308-2227 English and Spanish (Printed Materials Only)   MMI 1717 E. Bell Road   Suite 7 Phoenix , AZ  85308 800-308-2227 English and Spanish (Printed Materials Only)   MMI 722 E. Osborn Road   Suite 210 Phoenix , AZ  85014 800-308-2227 English and Spanish (Printed Materials Only)   MMI 1215 Gail Gardener Way  Suite B Prescott , AZ  86305 800-308-2227 English and Spanish (Printed Materials Only)   MMI 950 West Elliot Road   Suite 122 Tempe , AZ  85284 800-308-2227 English and Spanish   MMI 4732 N. Oracle Road   Suite 217 Tucson , AZ  85705 800-308-2227 English and Spanish   MMI 5515 E. Grant Road   Suite 211 Tucson , AZ  85712 800-308-2227 English and Spanish   MMI 2450 South Fourth Avenue  Suite 500 Yuma , AZ  85364 800-308-2227 English and Spanish

MoneySharp Credit Counseling Inc. www.moneysharp.org Main Address:   2713 N. Central Park Chicago, IL  60647  866-200-6825 Delivery Method:   Internet: www.moneysharp.org English and Spanish

National Financial Literacy Foundation, Inc. www.learnfinances.org Main Address:   555 Winderley Place Suite 300 Maitland, FL  32751  877-380-6353 Delivery Method:   Internet: www.learnfinances.org English and Spanish   Telephone: 877-380-6353 English and Spanish

No Limits Community Development Corporation www.CCR-Atlanta.org Main Address:   3203 Benjamin E. Mays Drive Atlanta, GA  30311  678-973-2739 Delivery Method:   Internet: www.CCR-Atlanta.org     Telephone: 678-973-2739

SK Foundation www.myonlinebankruptcyclass.com Main Address:   60 E. Hopkins Road Gilbert, AZ  85295  877-376-7122 Delivery Method:   Internet: www.myonlinebankruptcyclass.com English and Spanish

Springboard Nonprofit Consumer Credit Management, Inc. www.bkhelp.org Main Address:   4351 Latham Street Riverside, CA  92501  951-781-0114 Delivery Method:   Internet: www.bkhelp.org or www.bancarrota.org English and Spanish   Telephone: 888-425-3453 English and Spanish

Stand Sure Credit Counseling,  a/k/a Biblical Financial Concepts, Inc. www.biblicalfinancialconcepts.org Main Address:   124 Oakridge Drive Oneonta, AL  35121  205-421-1590 Delivery Method:   Internet: www.standsurecc.org     Telephone: 866-232-3600     Internet/Telephone: www.standsurecc.org / 866-232-3600

Take Charge America, Inc. www.takechargeamerica.org Main Address:   20620 North 19th Avenue Phoenix, AZ  85027-3585  623-266-6100 Delivery Method:   Telephone: 866-750-9634 English and Spanish   In Person:   Take Charge America, Inc. 20620 North 19th Avenue  Phoenix , AZ  85027-3585 866-750-9634 English and Spanish

The Kingdom Ministries, Inc. www.thekingdomministries.com Main Address:   6094 Apple Tree Drive Suite 11 Memphis, TN  38115  901-552-5131 Delivery Method:   Telephone: 901-552-5131

The Mesquite Group, Inc. www.themesquitegroup.org Main Address:   600 Six Flags Drive Suite 400 Arlington, TX  76011  817-769-4069 Delivery Method:   Telephone: 877-769-4069 English and Spanish

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