Bankruptcy Counseling

Approved by the U.S. Trustees, Apprisen/CCCS issues certificates for pre and post bankruptcy counseling. Get started on the financial road to recovery today.

Bankruptcy Requirements

Whether through unexpected life changes or unwise choices, you may find yourself seeking bankruptcy protection. In 2005, Congress passed The Bankruptcy Abuse Prevention and Consumer Protection Act which requires consumers to attend a credit counseling session before and after filing bankruptcy.

Pre-filing Counseling

In the Pre-filing Counseling session, you and your counselor will examine your situation to determine if there are any alternatives to bankruptcy. The Certified Financial Counselor will also explain any consequences you might experience and help you be prepared to get back on track after the bankruptcy has been filed.

Learn More about Pre-filing Counseling

Post-filing Education

The Post-filing Education session will allow you to focus on the steps you can take to help build a strong financial life. You will learn a comprehensive set of financial skills and concepts to help you manage your money confidently going forward.

Learn More about Post-filing Education

ReStart Online Counseling

If you would like to complete all of your pre-filing bankruptcy counseling online, you can do so with Apprisen’s ReStart bankruptcy counseling course.

Learn more about our ReStart Program

ReStart

Issues to Consider

Bankruptcy will affect your financial life for several years. It is very important that you consider all of the issues before deciding to discharge your debts in this manner.

Your credit rating could be affected for up to ten years.
You may pay more to obtain a loan or credit card.
Not all of your debts may be discharged in a bankruptcy.
Bankruptcy is a matter of public record and may affect your reputation in your community.

Bankruptcy is meant to be a last resort. You should try all other methods of repayment before filing for bankruptcy.

Apprisen offers Pre-filing Counseling and Post-filing Education for clients filing in:

Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia

Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland

Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey

New Mexico
New York
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Puerto Rico
South Carolina
South Dakota

Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

If you live outside these areas, please visit The U.S. Trustee Program or contact your attorney for an approved credit counselor near you.

Apprisen/Consumer Credit Counseling Service (CCCS) has been approved by the Executive Office of the United States Trustees to provide bankruptcy education and to issue certificates of attendance in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services.

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