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Bankruptcy Counseling and Education

The brink of bankruptcy is a lonely place to be. But rather than feeling paralyzed by guilt and despair, embrace the opportunity to get a fresh start on your financial life. Commit yourself to making positive changes to improve your financial footing today—so you’ll be better prepared for the unexpected financial curve balls that are sure to come at you down the road.

In 2005, the U.S. Congress passed the Bankruptcy Abuse Prevention Act that requires some new procedures for consumers filing Chapter 7 or Chapter 13 bankruptcy protection. This includes completion of pre-bankruptcy counseling as well as education prior to the bankruptcy terms being satisfied, formally known as “bankruptcy discharge.” These sessions are designed to provide individuals the resources and knowledge to regain financial control and avoid financial crises in the future.

As an approved national provider of these services, CCCS will guide you through this process with compassion and sound advice. We give your second chance a better chance of succeeding.

CCCS Pre-Bankruptcy Counseling

By law, you must complete pre-bankruptcy counseling within 180 days before you file Chapter 7 or Chapter 13 bankruptcy. As part of this session, a CCCS counselor will evaluate your personal financial situation, discuss alternatives to bankruptcy, and help you create a personal budget plan that meets your resources and needs. This counseling and the subsequent certificate can be received online, over the phone or in person.

To begin the required pre-filing bankruptcy counseling call 866-672-CCCS to book a telephone or in-person appointment or start online session.  


CCCS Pre-Discharge Bankruptcy Education

By law, before your bankruptcy case can be discharged—which means debts are considered satisfied—you must complete pre-discharge bankruptcy education. The course lasts about two hours and covers a variety of topics including:

•    Setting realistic financial goals;
•    How to read your credit report;
•    Obtaining or re-establishing credit;
•    Managing budgets;
•    And more.

The course lasts two hours. There are three ways to complete this course:

  • Internet: complete your course online by clicking here

  • Telephone: call 866-672-CCCS (2227) to schedule a telephone course

  • In Person: call 866-672-CCCS (2227) to schedule your in-person course in Florida, Georgia, Mississippi or Tennessee

You may also log onto www.cccsbankruptcy.com for more information about bankruptcy education.

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Visit www.CredAbilityU.org to learn your way out of difficult times.







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