Pre-filing 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
Bankruptcy Pre-Filing Options:
- 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 may 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."
