As a resident of Massachusetts, you are entitled to a free credit report from each credit reporting agency (Equifax, Experian, and Transunion) once a year. Here is how you can order your free report:

To Request your Credit Report by Internet:
       Go to
       After the verification you can print the reports online or email them to us at:

To Request your Credit Report by Phone: 
       Call 1-877-322-8228
       Your reports should be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.

To Request your Credit Report by Mail: 
       Download the request form at (Adobe Reader required. Free download)
       Print, complete and mail the form to:

              Annual Credit Report Request Service
              P.O. Box 105281
              Atlanta, GA 30348-5281


Course No. 1: Pre-Bankruptcy Counseling Session
A pre-bankruptcy counseling session with an approved credit counseling organization is required prior to filing and will include an evaluation of your personal financial situation, a discussion of alternatives to bankruptcy, and a personal budget plan. A typical counseling session should last about 60 to 90 minutes, and is done over the phone. You should request a fee waiver from the counseling organization before the session begins. Waivers are usually granted for those who only receive social security or whose income is below the poverty level or unemployed. |

Course No. 2: Post Filing Debtor Education Course
After filing, you must take the Debtor Education Course by an approved provider. This Course is also referred to as the Financial Management Course. This will include your obtaining information on developing a budget, managing money, using credit wisely, and other resources. This course can be taken over the phone, often with the same provider used to obtain the pre-filing counseling certificate. We recommend you use the number listed below. The debtor education session might last longer than the pre-filing counseling – about two hours. You should seek a fee waiver from the debtor education provider before the sessions begins, as well.


Certain documents are required to insure the accuracy of the Bankruptcy Petition.
Click Here for list of Documents needed for Bankruptcy


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