Bankruptcy Counseling

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 (Both Pre-Filing and Pre-Discharge)

Next Steps:

• Call us now at 800-479-6026 or click here to enter information for debt or bankruptcy counseling and a CCCS counselor will email or call you within 48 business hours..
• Learn about Pre-Discharge Bankruptcy Education required for bankruptcy discharge.
• View a short video about how to get ready for a phone or in-person counseling session.
• View some frequently asked questions about bankruptcy and bankruptcy counseling