CCCS pre-filing bankruptcy counseling

CCCS is an approved national provider of pre-filing bankruptcy counseling, required within 180 days before filing for Chapter 7 or 13 bankruptcy protection. This counseling and the subsequent certificate can be received over the phone or at o­ne of our offices. New laws take effect starting Monday, October 17, 2005.

Again, this is done before filing for bankruptcy.

To begin the required pre-filing bankruptcy counseling, complete the Pre-filing Bankruptcy Form or call 1-800-821-4040 to book a telephone or in-person appointment.

 Pre-filing bankruptcy disclosure

 Statement of Counseling


Online Pre-filing Course


CCCS pre-discharge bankruptcy education

CCCS is also an approved national provider of pre-discharge bankruptcy education, required before a Chapter 7 or 13 bankruptcy case is discharged.  New laws take effect starting Monday, October 17, 2005.

Again, this is required before your case is discharged.

This can be conducted in a classroom setting or online.

To register for a class or to take the course online, please call 1-800-821-4040.

Pre-discharge Bankruptcy Form

Online Post-filing Course

Call 1-800-821-4040 to register for a class or to take the course online.

Additional Resources:

Bankruptcy Overview
Bankruptcy Abuse Prevention Act
Consequences of Bankruptcy
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

October 2005 Congress passed a law requiring credit counseling prior to filing your petition for bankruptcy. CCCS is certified to provide this counseling service. You may wish to come into the office to see one-on-one a CCCS certified counselor who will go over the pros and cons of bankruptcy, your options and discuss any questions you may have regarding the process. A certificate will be issued which must be attached to your bankruptcy petition. Prior to your being discharged from bankruptcy, a post budgeting counseling session by an approved credit counseling agency is required. CCCS provides this counseling service.


Classroom Schedule