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Bankruptcy Overview
CCCS Bankruptcy Overview To determine which service you require:
If you have not filed bankruptcy yet, please click on the tab above for Bankruptcy Counseling. If you are unsure which service you require, please contact our office at 912-691-2227.
Bankruptcy CounselingCCCS 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.
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. Bankruptcy EducationCCCS 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). Additional Resources
Additional Resources:
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