Bankruptcy Post-Filing Disclosure

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 from 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 survey to complete and each student will also receive their require certificate.

CCCS of the Mid-Ohio Valley has over 40 years of experience helping individuals and families with financial problems. CCCS is a member of the National Foundation for Credit Counseling (NFCC). The NFCC has established standards for quality credit counseling and financial education, and this  agency complies with all of these standards. This agency is also accredited by the Council on Accreditation an (COA), an independent third-party organization that reviews and monitors social service agencies. We are a non-profit agency, organized and operated in accordance with Section 501 C (3) of the Internal Revenue Code.

Prior to any counseling session (in-person, phone interview or online), you will be asked to provide identity verification. If your counseling/education session is to be done at the agency’s physical location, please bring proof  of identity (Driver’s license) to your appointment. If the session is to be provided over the phone or Internet, please be prepared to supply a personal identifier to the session administrator. The administrator may provide you with a combination of access code, user ID or password that should be kept confidential. The instructor conducting this course is a Consumer Credit Counseling Service employee and is certified in accordance with the NFCC standards. However, they cannot provide legal advice. In face, this course is designed to provide information it is not intended to take the place of a consultation with an attorney. CCCS of the Mid-Ohio Valley does not receive or pay fees or receive any consideration for the referral of clients to our program.

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-up may be done either in-person, over the phone This follow–up may be done either in-person, over the phone or through e-mail, or directly with the client.

In order to provide individual assistance, it is essential that you accurately complete all questionnaires and tests. A post-test survey allows our agency to evaluate our program and services but is not a required condition to receiving certificates. All information you decide to share during this course is strictly confidential. Client information may be disclosed to the Executive Office for US Trustees (EOUST). EOUST oversees the bankruptcy counseling process and may review client tiles to insure agency compliance. EOUST has not, and does not, review other counseling services provided by CCCS of the Mi-Ohio Valley.  Your signature below authorized this agency to provide specific client information to EOUST.  We may use the information to compile data aggregate information that you provide, but this information will not be disclosed in any manner that would personally identify you. This agency will not disclose or provide any information about this course to a credit-reporting agency.

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 the poverty guidelines in the State in which you reside. Fees can be paid with 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 also 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.

For a schedule of courses, times, dates and places, please call CCCS at 304-485-3141, 866-481-4752 or check our website at www.wvcccs.org for updates.

I have read and understand the disclosures made above.

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