Pre-filing Counseling

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:

• A budget and financial net worth analysis
• An analysis of your current financial situation and the factors that caused it
• A review of bankruptcy alternatives and consequences
• A plan to avoid financial problems in the future
• A certificate of completion

Bankruptcy Pre-Filing Counseling Options:

Apprisen offers three different counseling methods to help you meet the requirements of the pre-filing counseling session:

Helpful Links for Homeowners Considering Bankruptcy

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:

• Home Affordable Modification Program (HAMP) for Homeowners in Bankruptcy  (PDF)
• Making Home Affordable Program Frequently Asked Questions for Bankruptcy Filers  (PDF)

CCCS has been "Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse the quality of an Agency's services."