Bankruptcy Overview

Bankruptcy serves two purposes. First, bankruptcy is intended to give an honest debtor a “fresh start” in life by relieving the debtor of most debt. Secondly, bankruptcy repays creditors in an orderly manner to the extent that the debtor has property available for payment.

CCCS has been approved (*) by the Executive Office for U.S. Trustees (EOUST) to offer pre-filing bankruptcy counseling in all judicial districts in Georgia and South Carolina. Certificates are issued for both services as evidence of completion.

*Approved to issue certificates evidencing completion of a budget and credit counseling course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an agency’s service.


 ACT NOWCall CCCS today to set a one-on-one session with   a counselor, 800-821-4040.

The two primary forms of Personal Bankruptcy are Chapter 7 and Chapter 13.

Chapter 7, often called liquidation, allows debtors a fresh start by requiring them to relinquish non-exempt assets, which are used to pay creditors. This form of bankruptcy provides a relatively quick elimination of most debts and does not require payments to creditors after the bankruptcy filing.

Chapter 13 is designed for an individual debtor who has a regular source of income. This type enables debtors to keep a valuable asset, such as a house. The debtors propose a “plan” to repay creditors over time, usually 3 to 5 years.

Bankruptcy Counseling

The goal of the counseling session is to provide an objective view of the individual’s financial situation.  CCCS does not give legal advice but will provide you with a comprehensive overview of your financial situation, including budget analysis and net worth estimate. CCCS 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.

To set an appointment for a phone or in-person counseling, please call 912-691-2227.

Do you have more questions about bankruptcy? Visit our Frequently Asked Questions