Bankruptcy Counseling & Education
New Bankruptcy Requirements
On October 17, 2005 the new Bankruptcy Abuse Prevention and Consumer Protection Act became law. This law requires consumers to attend a credit counseling session to discuss their financial situation and learn about alternatives to bankruptcy before filing for it. This is known as Pre-filing Counseling. Click to learn more.
The new law also requires that a financial management course be completed before their debts will be discharged by the court to help avoid future debt issues. This is called Post-filing Education. Click to learn more.
Issues to Consider
- Filing bankruptcy is a serious step that could affect your credit history and increase the cost of getting loans and credit cards.
- Bankruptcy is a matter of public record – relatives, friends, and neighbors could find out
- Bankruptcy laws have changed and filing bankruptcy has become more complicated
CCCS offers Pre-filing Counseling and Post-filing Education for clients filing in:
- Ohio
- Tennessee
- Missouri
- Florida
- Kansas
- Kentucky
- Southern District of Indiana
- Western District of Pennsylvania
If you live outside these areas, please visit www.usdoj.gov/ust or contact your attorney for an approved credit counselor near you.
Consumer Credit Counseling Service (CCCS) has been approved by the Executive Office of the United States Trustees to provide bankruptcy education and to issue certificates of attendance in compliance with the Bankruptcy Code. Please note that this approval isn’t an endorsement.
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