Bankruptcy Overview

CCCS Bankruptcy Overview

Under the Bankruptcy Reform Act of October 2005 it became mandatory for clients to receive bankruptcy counseling prior to filing for bankruptcy.  Additionally, clients must attend bankruptcy education prior to the bankruptcy being discharged.  Certificates are issued for both services as evidence of completion.  There is a service charge, $50 per individual or $75 for a couple. If your income is at 150% of the Federal poverty level, you are eligible for a fee waiver. Please call our offices for more details.

To determine which service you require:

If you have not filed bankruptcy yet, please click on the tab above for Bankruptcy Counseling.
If you have already filed for bankruptcy and have a case number, please click on the tab above for Bankruptcy Education.

If you are unsure which service you require, please contact our office at 912-691-2227.

 

Bankruptcy Counseling

CCCS Bankruptcy Counseling

Before you file
Effective October 17, 2005, new bankruptcy laws require an individual to receive a consultation from an approved non-profit budget and credit counseling agency prior to filing bankruptcy.  Completion of this counseling is required within 180 days before filing for Chapter 7 or 13 bankruptcy protection. Consumer Credit Counseling Services of the Savannah Area, Inc., has been approved by the Executive Office for U.S. Trustees (EOUST) to help you complete the required pre-filing counseling and provide you with the certificate that you will need should you choose to file for bankruptcy protection. This service is offered via the Internet, telephone and, in limited areas, in-person.

The goal of the counseling session is to provide an objective view of the individual’s financial situation.  We will provide you with a comprehensive overview of your financial situation, including a budget analysis and net worth estimate. We will also review and discuss possible alternatives to bankruptcy. 

Please be advised that you will be charged $50.00 (or $75 for a couple) for the pre-filing bankruptcy certificate. If your income is at 150% of the Federal poverty level, you are eligible for a fee waiver. Please call our offices for more details.

 pre-filing_bk_disclosure062010
 Statement of Counseling

If you would like to participate in a one-on-one pre-filing bankruptcy counseling session, please call (912) 691-2227 to book a telephone or in-person appointment.


To begin the pre-filing bankruptcy counseling through an on-line course, please click the following link below to begin:
Online Pre-filing Course

Bankruptcy Education

CCCS Bankruptcy Education

After You File
Prior to your being discharged from bankruptcy, a post budgeting counseling session by an approved credit counseling agency is required. CCCS is an approved national provider of pre-discharge bankruptcy education as required by law before a Chapter 7 or 13 bankruptcy case is discharged. 

This is required before your case is discharged.

This can be conducted in a classroom setting or online.

Please be advised that you will be charged for a pre-discharge bankruptcy education certificate. This fee is $50.00 per individual, or if you are seeking education for yourself and your spouse or partner the fee is $75.00. If your income is at 150% of the Federal poverty level, you are eligible for a fee waiver. Please call our offices for more details. If you are working with an attorney who has already collected the payment from you, please provide your attorney’s information and we will bill your attorney at a later date. If your attorney does not offer that service, you will need to provide cash or certified funds in the form of a money order or cashier’s check in order to receive the certificate.

To register for a class, please call (912) 691-2227 or toll free 1(800)-821-4040 (check our calendar for upcoming classes). 

If you would like to take the class online and are prepared to pay with a debit card, please click PAY HERE. 

If you have already paid for the course and have log-in ID and password, please click LOG-IN HERE.


Pre-discharge Bankruptcy Disclosure

Additional Resources

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

Brunswick		1st Wednesday of each month 3rd Saturday of each month
Savannah		2nd Saturday of each month 3rd Tuesday of each month