PRE-DISCHARGE EDUCATION PROCESS After you have filed for bankruptcy, call our local Fayetteville number (479-521-8877) or our toll-free number (800-889-4916) for your pre-discharge education appointment, which can be in-person, over the phone, or online. The education class will last 2 hours. If you prefer a CCOA representative to contact you to set up an appointment, please click here. You will need to read, complete, and return a disclosure & affidavit form before getting started. CCOA must receive this form and payment ($50.00 for an individual, $60.00 for couple) before completing the education. As with the pre-filing session, the course is offered to debtor students without regard to debtor students' ability to pay. Certificates are issued within three business days upon course completion, and can be provided to you or your attorney. Click here for the most recent in-person and phone bankruptcy education class schedule. Please call us at 800-889-4916 to register for the phone, in-person, or online classes. If you've already been registered to take the course online, click one of the two banner links below. If you’ve been registered to take the course online, you may enter here: * CCOA is approved to issue certificates evidencing completion of a personal finance management instructional course in compliance with the bankruptcy code established by the Executive Office of the United States Trustees. Approval does not endorse or assure the quality of a provider’s service

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