Bankruptcy Counseling

CCOA provides pre-filing counseling and pre-discharge education for your bankruptcy process.

Filing for bankruptcy is a difficult decision, and many experts consider it to be a last resort. If you have already explored other options, and have decided to file for bankruptcy, you are likely looking forward to a fresh start. Bankruptcy counseling can help arm you with the information you need to make clear financial decisions and reach your financial goals after the bankruptcy proceedings are complete. Bankruptcy counseling and education are also required by law according to the Bankruptcy Code overseen by the U.S. Department of Justice.

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Bankruptcy Counseling Services Available Through CCOA

Pre-Filing Bankruptcy Counseling

As part of your bankruptcy process, you have to complete a counseling session prior to filing your bankruptcy. This session will last approximately an hour and 15 minutes. Upon completion of the counseling session, a certificate can be provided to you or to your attorney. The certificate is valid for 180 days from the date of the counseling session.

Payment ($50 per session) can be made via debit card, personal check or money order. Counseling services are offered to clients without regard to ability to pay.

If you are a homeowner, and your mortgage payment is the primary reason you are seeking bankruptcy assistance, you may want to be aware of the possible solutions under the Home Affordable Modification Program (HAMP). If you are interested in finding out more about these options, request a free housing appointment.

Pre-Discharge Education

After you have filed for bankruptcy, you are required to go through your pre-discharge education class, which we offer online. The education is a minimum of 2-hours. You will need to read, complete, sign, date, and return a disclosure & affidavit form before getting started.

CCOA must receive the affidavit 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.

Limited English proficient clients/debtors may take the online education in Spanish. Clients will only receive certificates if client completes instruction. Upon completion of the course, CCOA is obligated to provide a certificate of course completion to the debtor student promptly within three business days. Please call us at 800-889-4916 to register for online education.

Bankruptcy Education

If you’ve been registered to take the course online and have been provided with a username and password, you may enter here:

Fee Waiver Policy

If a client’s household gross monthly income is 150% or less than the poverty guidelines provided by the U.S. Department of Health and Human Services (adjusted for family size), they are eligible for a fee waiver.

CCOA will also waive the fee if your attorney is providing services pro bono.

Click the button below for our Fee Waiver Policy.

* 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. EOUST has only reviewed the provider’s counseling and instructional course and has neither reviewed nor approved any other services CCOA may offer.