• Pre-Filing Counseling

    A Budget and Credit Counseling session is required BEFORE you file for Chapter 7 or 13 bankruptcy protection and within 180 days PRIOR to your filing date. This is the first of two educational requirements you must complete in your bankruptcy.
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  • Post-Filing Counseling

    The post-filing Personal Financial Management Education course, commonly referred to as "Debtor Education", is a requirement you need to complete AFTER you have filed for bankruptcy and BEFORE your case is discharged. A bankruptcy case number is given to you when you file in court. This is an important piece of documentation needed in order to complete this course.
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  • Registration

    For your convenience, there are three ways to register for your pre-filing session or your post-filing course:
    #1. For online services: CLICK HERE
    #2. For telephonic services or,
    #3. For person-to-person services: Simply call us at 866-769-5357 or email us at        support@abelccs.org to schedule an appointment.
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Welcome to Abel Credit Counseling Services!

We provide a service that meets the requirements of the bankruptcy law by offering two educational courses needed in bankruptcy proceedings online, over the telephone or in person.

We have been where you are!  We understand the pressures, the emotional turmoil, the wanting relief from this burden of debt and the desire to move forward in a different, positive direction. When we were there, there were no agencies like ours.  Times have changed and today, because of the need of many who, like yourself, are seeking sound financial counseling, we are here to serve and encourage you. Through our knowledge, skills, and experience, we offer resources that can guide you in a new way of handling your finances.  Debt free and managing your finances well?  It is not only possible, it can be your future!

We look forward to hearing from you and are eager to serve you.  Contact us at 866-769-5357 or email us at support@abelccs.org to begin your journey toward financial freedom!

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102 S Post St

Mailing address: PO Box 469

Hay Springs, NE   69347-0469

(866) 769-5357 – Toll Free

(308) 225-5357

(308) 638-7311 – FAX line

support@abelccs.org – Email

Business Hours:  Monday – Friday,  9:00 AM to 5:00 PM MST; Saturday – by appointment


December 31, January 1 and 2

Memorial Day

Fourth of July

Labor Day

Thanksgiving Day and the following Friday and Saturday

December 24, 25 and 26

All Sundays

Please note: For your convenience, online classes are available at all times. However, on the above dates of office closure, telephone sessions, Customer Services, and the issuance of certificates of completion will not be available until the next business day.