Consumer Education Services, Inc. (CESI), doing business as Start Fresh Today (SFT), is a provider of both the Pre-Bankruptcy Credit Counseling and the Post-Bankruptcy Personal
Finance Debtor Education course, each service approved and delivered in accordance with the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.
Prior to receiving a discharge, the Bankruptcy Code requires that you complete a mandatory Financial Management
Course (also known as a
Debtor Education Course) that is designed to help you manage your personal
finances in the future.