Bankruptcy Overview

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

The Executive Office for U.S. Trustees (EOUST) approved (*) CCCS to offer pre-filing bankruptcy counseling in all judicial districts in Georgia and South Carolina. Also, CCCS issues certificates as evidence of completion.

*Approved to issue certificates evidencing completion of a budget and credit counseling course in compliance with the Bankruptcy Code. However, 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, 912-691-2227.

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 to pay creditors. This form of bankruptcy provides a quick elimination of most debts and does not need payments to creditors after the filing.

Chapter 13 is 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.


The goal of the session is to provide a review of the individual’s financial situation. The CCCS will not give legal advice. However, the CCCS will provide you with a comprehensive overview of your financial situation, including budget analysis and net worth estimate. The counselor will also review and discuss possible alternatives to bankruptcy.

CCCS charges $50.00 (or $75 for a couple) for the pre-filing 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, please click here.

For the pre-filing bankruptcy disclosure, click here.

Do you have more questions? Visit our Frequently Asked Questions

For additional bankruptcy resources, click here.

Also, for information about the US Trustee, click here.