Bankruptcy Counseling
Filing for bankruptcy can be scary. We’re here to help.
There’s a lot to know about this involved process, but our trained, professional, caring counselors will walk you through every step and answer every question. We offer in-person, virtual, phone and online counseling and education.
Bankruptcy Pre-Filing Counseling
CCCS is an approved provider of bankruptcy counseling with the Department of Justice.
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.
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.
Step 1
Attend Credit Counseling
Step 2
File Certificate With Court
Step 3
File for Bankruptcy Protection
Pre-Filing Bankruptcy Registration
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.
Bankruptcy Pre-Discharge Education
Money in Motion satisfies the requirement for pre-discharge bankruptcy education.
You have almost completed all the requirements for your bankruptcy case. The next step is to attend a Pre-discharge education workshop. This workshop can be attended via in-person, phone, virtual or online. If you chose to receive the education in-person, phone or virtual, call the office to register for the next available class at (417-889-7474). If you chose to attend the online workshop, please read the disclosures, check the box and select Continue. Once the workshop has been completed, a certificate will be sent to you and your attorney.
Already registered for “Money in Motion” ?
Please click on the below website if you have already registered and received your user ID and password. This website will take you directly to “Money in Motion”.
acce-online.com/moneyinmotion
Money in Motion may also be completed in a face-to-face classroom (available in limited areas) and by live conference telephone classes. For more information and schedules please call 1-800-882-0808.
Be sure to include all attachments requested at the bottom of the registration form.
Frequently Asked Questions
-
A list of private attorneys in your area may be available from your state bar association, local law schools, or legal aid clinic. For example, see the information provided by the American Bar Association at: Consumers’ Guide to Legal Help. Attorneys who provide bankruptcy services are required to disclose certain information in writing, including the services they will provide and the cost for those services.
-
Basic information on filing bankruptcy is available on the federal courts’ website at: United States Bankruptcy Courts.
-
The clerk of your bankruptcy court or your state bar association may have information regarding individuals or organizations offering bankruptcy-related legal services, including services provided for free or for a reduced fee. Our offices can offer you information on the local offices that can help with this. Click here for contact information for bankruptcy courts. Click here for contact information for state bar associations.
-
Information relating to pre-bankruptcy credit counseling and post-bankruptcy debtor education is found on the Program’s Web site at: Credit Counseling & Debtor Education Information.
-
Some individuals and companies use the bankruptcy system to take advantage of homeowners in distress. These individuals and companies are sometimes called “foreclosure rescue scheme” operators. They contact homeowners whose homes are listed in the foreclosure notices. A foreclosure rescue scheme operator may promise to renegotiate the terms of the homeowner’s mortgage, and may direct the homeowner to make mortgage payments or pay a monthly fee to the operator. The scheme operator may direct the homeowner to file a bankruptcy petition, or the scheme operator may file a bankruptcy petition in the homeowner’s name. In reality, the scheme operator does not try to renegotiate the homeowner’s mortgage or help the homeowner avoid foreclosure, and often disappears after taking the mortgage payments or monthly fees.
If you recognize this scheme or a similar one, please tell the U.S. Trustee field office immediately. The foreclosure rescue scheme will not help you avoid foreclosure, and it will leave a bankruptcy filing on your credit record. A list of U.S. Trustee Program field offices is found at: Nationwide Office Locator.
Contact our office immediately and we can offer programs that could help you avoid foreclosure without filing bankruptcy.
-
Contact our office and we can provide resources to help you with the bankruptcy process.
-
There are options that can allow you to file bankruptcy and save your home. Contacting a bankruptcy attorney for a free consultation will be your best option to be sure this is possible.