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Allen Credit Debt Counseling Agency 1st Course Credit Counseling 2nd Course Debtor Education For Attorneys Start Now Counselor Hours Monday Thursday 6am 1am Friday 6am 10pm Saturday Sunday 8am 10pm Online courses are available 24 hours a day 7 days a week. Follow up may be completed during counselor hours. No appointment needed Expert Credit Counseling Offering You a Chance for a New Beginning First Course The prefiling credit counseling course is required before filing for bankruptcy. Second Course The personal financial management course is required before bankruptcy can be discharged.