CCCS is approved by the Executive Office for United States Trustees* to provide bankruptcy pre-filing budget and credit counseling, and pre-discharge financial education, in the Eastern, Northern, Southern and Western Districts of New York State as mandated by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.

Pre-filing counseling takes approximately 90 minutes. The consumer will be asked to provide information about income, household expenses and debts so a full budget analysis can be made. Alternatives to bankruptcy will be explained along with any options that may help the financial situation. A complete overview of the bankruptcy process including advantages and disadvantages of bankruptcy will be provided. Clients that complete this counseling will be issued a certificate which is required for filing a bankruptcy.

* Their approval does not endorse or assure the quality of any Agency or Providers services.
* Power of Attorney not acceptable for bankruptcy counseling.

Bankruptcy counseling can be done three different ways:

• Face-to-face
• Over the phone
• Online

Need help with bankruptcy issues?

• Call us now at 800-479-6026 or your local CCCS office for an in-person or telephone appointment,
• Use our One to One Online counseling by clicking the One to One button below.
• Click here to go to Bankruptcy Issues and Answers.