Pre-Bankruptcy Counseling and

Pre-Discharge Education Class

registration information:

BANKRUPTCY

Considering filing for bankruptcy?

For most individuals, whether they should file for bankruptcy is one of the most serious financial decisions they can make.  This can be a confusing and emotional time. 

The bankruptcy law states you must complete a counseling session from an approved credit counseling agency and obtain a certificate of bankruptcy counseling prior to filing.  You must also complete a financial education program and receive an education certificate from an approved provider prior to your bankruptcy being discharged.  Our Pre-filing Bankruptcy Counseling and Pre-discharge Bankruptcy Education will help you make informed choices.

Consumer Credit Counseling Service of Coos-Curry is *approved by the Executive Office of the United States Trustees to provide the REQUIRED Pre-Bankruptcy Counseling and the Pre-Discharge Education Course.

Bankruptcy Counseling

The pre-filing counseling session will enable you to understand the potential advantages, disadvantages, and alternatives to declaring bankruptcy.  We work with you to develop a budget, explore your options and create a personalized action plan.  Upon completion of this session, you will be given the certificate required for bankruptcy filing. 

Please call today to schedule your Pre-filing Bankruptcy Counseling session

1-800-248-740 or 541-267-7040.

You have the option of submitting the online Pre-Bankruptcy Counseling Forms through the Online Counseling Application button

OR,

receive your forms via mail, e-mail or fax, by calling to make your request for the forms needed prior to your counseling session.

The fee for pre-bankruptcy counseling is $50 for an individual or $75 for a couple filing a joint petition and attending the counseling together. 

Pre-Discharge Bankruptcy Education Class:

After you have filed your petition for bankruptcy, you will be required to take a 2-hour education course before your debts will be discharged.  The course will teach you the principles and practices necessary for long-term financial health.

CCCS offers this course in two ways (Classroom or Online):

Classroom: Tuesday afternoons from 2:00 PM-4:00 PM 

Call to pre-register 1-800-248-7040 or 541-267-7040

Upon completion of the course, you will be issued the required certificate needed so your debts can be discharged.

The fee for the classroom course is $50 for an individual or $75 for a couple attending the class together.

Online Course:  (If you have already registered and paid for the course you can click the Money in Motion box here to enter the course site)

TO REGISTER for this online course first read the following disclosure statement:

Bankruptcy Education Statement

Consumer Credit Counseling Service of Coos-Curry, Inc. has over 26 years of experience educating consumers and clients about money and credit.  This agency is a member of the National Foundation for Credit Counseling (NFCC).  The NFCC has high standards for quality credit counseling and financial education, and this agency complies with those standards.  In addition, this agency is accredited by Council on Accreditation, an independent third-party organization that reviews and monitors entities that provide social services.  We are a non-profit agency.  We are organized and operate in accordance with Section 501(c)(3) of the Internal Revenue Code. We do not pay or receive fees or other considerations for referrals of debtor students to our agency.  

You have the option of taking Money in Motion, our bankruptcy and community education program, in a classroom setting, or online.  A certified consumer credit counselor or teacher will be conducting or supervising the Money in Motion classes.   Our instructors have completed the certification program offered by the NFCC.  For online students, please email any questions you have regarding Money in Motion to edodd@cccscoos.org  You will receive a response to your questions within 24 business hours.

We will ask you to voluntarily fill out basic demographic information.  We will not disclose any such information that you provide orally or in writing to anyone, except as authorized by you in writing or as required by law.  We may compile data in aggregate form; however, your information will not be disclosed in any manner that would personally identify you.

To help cover the cost of providing this online program to you, this agency charges a fee of not more than $40 per individual or $65 per couple.  In limited circumstances you may be eligible to have this fee waived.  We will not deny service due to an inability to pay.  

After completing Money in Motion, you will be provided with a certificate within 3 business days.  You will need to provide us with your bankruptcy case number for this certificate.

If you are dissatisfied with the service provided by our agency you can utilize the Problem Resolution Process.  You agree to hold Consumer Credit Counseling Service of Coos-Curry, Inc., its employees, and volunteers harmless from any claim, suit, and action resulting from this service.  Nothing herein shall apply to actions or claims under the provisions of the United State Bankruptcy code, 11 U.S.C. Sec. 101 et seq.

CCCS of Coos-Curry does not refuse service to anyone based on their inability to pay.

* Consumer Credit Counseling Service of Coos-Curry is approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an agency's services.