Bankruptcy Counseling

Bankruptcy Counseling and Education

CCCS is approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an agency's services. We offer several approved options to meet your needs.Phone or face-to-face counseling and phone education - online education - in-class education. Bankruptcy is the last resort for consumers in dire financial need, and for good reason. Consider these consequences:

• Bankruptcy stays on your credit report for up to ten years.
• You may have difficulty getting future credit.
• Any credit you get may cost you more in terms of interest rates and fees charged.
• Alimony, child support, and most taxes survive bankruptcy and will still be owed.
• When filing bankruptcy, many fees are due up front, further weakening your financial position.

Although widely advertised as a "quick fix" to your financial issues, bankruptcy is not always the answer to your problems. Let one of our counselors help you understand your options. Our Debt Management Plan has helped thousands of people stay out of bankruptcy. Best of all, our experienced and well-trained counselors will design a repayment plan that you can handle. And unlike bankruptcy, we'll show you how to stay out of debt and rebuild your financial future. And we offer a lot more than just consumer credit counseling; our wide range of services can help you even if you're behind on your bills, delinquent, or facing foreclosure. Why wait? Email us or call 877.ASK.CCCS (275-2227). Still have questions about our Bankruptcy assistance service? Check out our Frequently Asked Questions.

Phone Course
We offer conference call education courses each week. Call us (877.275.2227) to learn more about this option or send us an email by clicking here.

On-Line Course
We were recently approved to provide Bankruptcy Education utilizing a nationally recognized on-line education format.
Click here for our on-line Bankruptcy education course.

**Attention – The on-line bankruptcy course is available only to those fulfilling their pre-filing education obligation and have filed in Montana or Wyoming.  You must have already filed for bankruptcy and have a valid bankruptcy case number.

In Person