Pre-filing Bankruptcy Counseling
Anyone thinking about filing bankruptcy must first attend a special credit counseling session. This session is required by law and will include:
- A budget and financial net worth analysis
- An analysis of current financial situation and the factors that caused it
- Alternatives to bankruptcy
- Assistance in developing a plan to respond to financial problems
When the Pre-Filing Education is complete, individuals receive a certificate of completion.
CCCS Offers Three Kinds of Bankruptcy Pre-Filing Sessions
Face to Face
Counseling
60 to 90 minute session with certified credit counselor |
Telephone
Counseling
60 to 90 minute session with certified credit counselor |
Internet-Based Counseling
“Choices”
Four online chapters help participants create a budget and financial
net worth statement via the Web. Within 3 business days after this online work is completed, a CCCS certified Credit
Counselor will call to review the information submitted online. This phone call is required to complete the session. |
Fees
The fee for the pre-filing bankruptcy counseling session is $50 for either an individual or joint filing. This
fee can be waived or reduced in limited hardship circumstances. Please call 1-800-355-2227 for more information regarding this.
CCCS has been “Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse the quality of
an Agency's Services."
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