Bankruptcy

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 expires six months after it’s issued.

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.

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 eligilble for a fee waiver.  CCOA will also waive the fee if your attorney is providing services pro bono.  Click here for our Fee Waiver Policy.

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.

Call CCOA at 479-521-8877 or 1-800-889-4916 for an appointment. Or submit your information below.

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.

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 eligilble for a fee waiver.  CCOA will also waive the fee if your attorney is providing services pro bono.  Click here for our Fee Waiver Policy.

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 within three business days. Please call us at 800-889-4916 to register for online education.

If you’ve been registered to take the course online and have been provided with a username and password, 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. EOUST has not reviewed other non-counseling/instructional services.