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Bankruptcy Counseling


In an effort to better serve all of our clients, we are no longer able to accept any new applications for bankruptcy clients.

For further assistance, please find approved credit counseling agencies by state here and approved debtor education providers by state here.

Thank you for your understanding.




We know that bankruptcy is not an easy choice. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 mandates that a consumer receive financial counseling prior to the bankruptcy petition being filed and requires consumers to participate in a financial education course before debts are discharged. If you are filing bankruptcy with a spouse, both must attend the counseling and educational course. LifeSpan has been approved* by the Executive Office of the U.S. Trustee (EOUST) to conduct Pre-filing Counseling and Pre-discharge Education within the Northern and Southern Ohio judicial districts. LifeSpan does not receive or pay fees or other consideration for the referral of clients.

Counselors have experience in helping with financial problems. They cannot provide you with legal advice.

Counselors/Educators are available to respond to questions, provide further required instruction, and to certify completion after which time a certificate will be issued providing client has completed counseling services.

*Approval does not endorse or assure the quality of an agency’s services

Pre-Filing Counseling

The 90-minute session is designed to provide you with information and alternatives. It is not intended to take the place of a consultation with an attorney to explore your legal rights and options. Our certified counselor will complete budget analysis, review the bankruptcy process, explore possible alternatives and review the consequences of your choices so that you can make an informed decision. Pre-filing counseling certificates are valid for up to 180 days from the date of counseling completion.

In-Person or Telephone Counseling

In-person or telephone pre-bankruptcy counseling sessions are available for those within the Northern and Southern Ohio judicial districts in our Hamilton office. Clients filing jointly, living in separate households, will be asked to attend separately for pre-filing counseling.

Internet Counseling

Course and briefing materials are provided via an interactive learning module accessed at the student’s convenience. For your course username, please contact us.


Pre-Discharge Education

If your bankruptcy petition has been filed, then you need to complete the financial management course. This course is designed to provide you with the tools and knowledge to make a fresh start after the discharge of debts.

In-Person Education

Pre-discharge education has a requirement of two hours instruction. Classes are offered in our Hamilton office, space is limited.

Internet Education

Two hours of class time is required and can be taken from the comfort of your own home. Each spouse must enroll in online education individually. For your course username, please contact us.

Bankruptcy Counseling and Education Fees

Pre-filing counseling and pre-discharge education are $50 per person, whether you attend in-person or online. For in-person education, payment may be made in the form of cash or money order. Clients need to provide their 7 digit case number and a government issued photo I.D.

Fees may be reduced or waived based on financial ability to pay. Services are available at 50% of the full fee ($25.00) if the gross income is above 100% of the poverty level but below 150% of the poverty level. An analysis of gross income, rent or mortgage, utilities, groceries, and ongoing medical expenses will be completed to determine if the client has the ability to pay the reduced fee. Services will not be denied on a client’s inability to pay.

The fee is automatically waived with proof that gross yearly income is at or below 100% of poverty level according to US Department of Health & Human Services figures.

Please read the disclosure (counseling disclosure, client rights, and privacy notice) before proceeding.

Financial Counseling and Education Program Manager

Mary Day
  Call Now513.868.9220   Email Now

In less than 15 minutes
you can better understand your entire financial situation