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”.

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