The Bankruptcy Reform Act, S.256 better known as The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, effective October 17, 2005 requires all parties seeking to file for bankruptcy protection must first receive pre-filing counseling from an Approved non-profit credit counseling agency.
Consumer Credit Counseling Service (CCCS) is an approved provider with the Department of Justice for bankruptcy counseling. Before anyone is allowed to file bankruptcy they must go through credit counseling. Once this counseling session has taken place a certificate will be issued to present to your attorney for filing with the court. In the case of joint filers both parties are required to complete the counseling session and each receive a Certificate. This counseling session must be completed prior to your filing for bankruptcy protection.
Pre-Filing Bankruptcy Information Submission
You have chosen to submit your information to CCCS through the Internet. This will be followed by a telephone counseling session with a certified professional. Please call CCCS at (417) 889-7474 or long-distance toll free at 1 (800) 882-0808 to schedule an appointment for a “face-to-face” counseling session, if you prefer. CCCS firmly believes that a one-on-one counseling approach is the best way to relay vital information such as a budget and information about budgeting. Therefore THIS Internet session will be finalized by a personal phone session prior to your Certificate being issued to you.
click here for a PDF version of the Pre-file Disclosure form to print out and complete.