Online Pre-Discharge Bankruptcy Education

After completion of the course, please contact our agency and provide the name of your attorney.

Certificates issued at completion of this course are only valid in bankruptcy districts in Georgia, the Middle district in Alabama, the Middle, Northern and Southern district in Florida, the Northern and Southern district in Mississippi, South Carolina, and the Eastern, Middle and Western district in Tennessee. If you register for a bankruptcy course and subsequently choose to file in a district not served by this agency, your certificate will be invalid and you will not receive a refund from this agency.

Joint filers may choose to attend this class together

Pre-Discharge Bankruptcy Course Disclosure

Welcome! We understand that you are here because you are currently in bankruptcy proceedings and are required to complete a Personal Financial Management Instructional Course before the bankruptcy can be discharged.

This agency has over twenty-five years of experience helping people with financial problems. Our role is not to be judgmental, but to provide assistance. At the conclusion of this course, you will be provided with a certificate that you will need to prove you have taken the required education. If you are taking this course online, we will send a certificate to you or your attorney no more than one business day after course completion. YOU WILL NOT RECEIVE A CERTIFICATE WITHOUT COMPLETING THE COURSE IN ITS ENTIRETY.

This agency is a member of the National Foundation for Credit Counseling (“NFCC”). The NFCC has high standards for quality credit counseling and financial education, and this agency complies with those standards. In addition, this agency is accredited by the Council on Accreditation (“COA”), an independent third-party organization that reviews and monitors entities that provide social services. We are a non-profit agency. We are organized and operate in accordance with Section 501(c)(3) of the Internal Revenue Code.

The consumer credit counselor conducting the education course has been trained and certified in accordance with the NFCC standards, and while he/she has expertise in helping those with financial problems, he/she cannot provide you with legal advice. This course is designed to help improve your personal financial management skills so that you may make better money decisions in the future. It is not intended to take the place of a consultation with an attorney regarding any bankruptcy proceedings, your legal rights and options.

To help cover the cost of providing this session to you, this agency charges a fee. The cost is $35 for a single and $50 if you will file jointly, payable by debit card/ PayPal. The fee is the same for both internet and phone counseling. The fee may be waived based on your lack of ability to pay. A waived fee is based on 150% of poverty guidelines updated periodically by the US Department of Health and Human Services. If you think you qualify for a waiver please call 706-327-3239 or contact ss. The $35 or $50 fee includes any fees associated with generation of the certificate.

CCCS of West GA /East AL will provide translator/interpreter services as needed at no cost to the client. This agency receives funding in the form of grants from private foundations, state and federal governmental units, the United Way, and credit grantors We do not pay or receive fees or other considerations for the referral of debtor students to or by this organization.

This agency provides other financial counseling and housing counseling services. Approval by the EOUST to provide bankruptcy counseling does not indicate that the EOUST has reviewed and approved our other services.

Our agency may disclose information about your session to the Executive Office of The United States Trustee.

If you are filing jointly and are able to complete the entire session together online, please indicate “yes” as you register. If both joint filers cannot complete the online session together, and the filers will have to complete the online session at different times, please indicate “no” as you register. Once you submit your registration, you must attend the online session as you have indicated.

Approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a provider’s services.