We understand that you are here because you are required to receive personal financial education before your debts may be discharged. Please be aware that filing for Bankruptcy will have an adverse effect on your credit report and credit rating. Our role is to provide a program covering the basics of personal financial management. Among the several topics we plan to cover are: Rebuilding after Bankruptcy, Choosing Between Wants and Needs, Having Sound Financial Habits, Budgeting, Understand and Using Credit, Credit Reports and Scores, Rebuilding Credit, Predatory Lending, ID Theft and Insurance. Upon successful course completion, each student will receive a optional survey to complete and will be promptly provided with the required certificate.
CCCS of the Mid-
Prior to any counseling session (in-
Part of the Debtor Education program includes the testing of an applicants understanding
of the materials provided. Our agency will provide additional communication with
any student scoring lower than 70% correct on this exam. This follow-
In order to provide individual assistance, it is essential that you accurately complete
all questionnaires and tests. A post-
To help cover the cost of providing this course to you, this agency charges a fee of $40.00 for single and $80.00 for couples who are filing a joint Bankruptcy. The fee is due upon completion of the course. You may be eligible to have this fee waived or reduced if you meet 150% Federal Poverty Guidelines provided on our website. You can choose not to provide verifiable income information. However, if you elect to "opt out" of providing income information, you are opting out of consideration for a waived or reduced fee. Fees can be paid with debit/credit card, cash, personal check, money order or cashier check and made payable to CCCS. Services will not be denied due to an inability to pay nor will certificates be withheld.
CCCS does not pay nor receive fees or other consideration for the referral of clients to or by the provider. This agency may receive funding in the form of grants from federal government entities and creditors. A portion of funding for this agency comes from voluntary contributions from creditors who participate in the Debt Management Programs. Since creditors have a financial interest in having debts repaid, most are willing to make a contribution to help fund the overall services of this agency. Again, should you decide to enter into a Debt Management Program you will receive specific information on how the plan works and how the agency is funded.
In the event that you are in need or demonstrate a need for interpretation or translation services, CCCS will provide such services. For a schedule of courses, times, dates and places, please call CCCS at 304-