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Consumer Education and Training Services (CENTS)

CENTS is a 501(c)(3) non-profit organization and was co-founded in 1995 by Federal Bankruptcy Judge Karen A. Overstreet and leading members of the Washington bankruptcy bar. CENTS is funded by foundation grants, special events, and individual contributions.

CENTS is affiliated with the King County Bar Association and has created programs with the support of the Washington Attorney General’s Office, the Washington State Department of Financial Institutions, Foundation for Financial Planning Seattle Foundation, and the Consumer Protection and Education Fund.


(206) 267-7017

Pro Se Bankruptcy Clinic

Every 1st & 3rd Thursday of the month at the Federal Courthouse

Federal Courthouse
700 Stewart Street
Room 6101 (6th Floor)
Seattle, WA 98101

No appointment necessary; walk-in clinic

Focused on pro-se (unrepresented) bankruptcy filing and related questions. In order to qualify for the clinic, your household gross monthly income is 200% of the Federal Poverty Level or lower.



Debt Collection Defense Clinic

Due to public health concerns and until further notice, the DCDC clinic will NOT be meeting in person.  Instead, users can contact the clinic via telephone at 206-707-0934 – during the same hours listed below.

  • Call between 12:00-1:00pm on Tuesdays to to be screened for eligibility
  • You will receive a return call  between 1:00-3:00pm
  • 30-minute meeting
  • No appointment necessary
  • Focused specifically on low-income debtors with questions about debt collection, abusive collection practices, garnishment and medical debts
  • Sponsored by the Northwest Justice Project

At all other times, the DCDC front desk can be reached at 206-464-1519 for screening