If you find that you have exhausted all other options for debt repayment and decide to file for bankruptcy, you must first attend a special credit counseling session. During this session, you will receive:
Apprisen offers three different counseling methods to help you meet the requirements of the pre-filing counseling session:
60 to 90 minute session with Certified Financial Counselor
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An online session and a brief follow-up phone call with a Certified Financial Counselor
The pre-filing counseling session fee is $50 for an individual or joint bankruptcy filing. This fee may be waived or reduced in limited hardship circumstances. For more information, please call 1-800-355-2227.
If you are a homeowner, you may be able to receive assistance on your mortgage. For more information, view the HAMP fact sheet and HAMP FAQs for bankruptcy filers:
CCCS has been "Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse the quality of an Agency's services."