Bankruptcy Pre-filing Counseling: As an approved EOUST pre-filing bankruptcy counseling agency, our certified counselors will provide an overview of the new Bankruptcy Law and provide the required pre-filing bankruptcy counseling session. Approval does not endorse or assure the qualification of an agency's services.  Counseling sessions are offered in-person or by telephone and last approximately 90 minutes.  Upon completion of the counseling session a certificate will be issued to you or your attorney.  The cost for the session is $50 for an individual (one certificate) and $75 for a couple (two certificates).                     Call 1-800-245-1865 to schedule an appointment or contact our Operations Department by email.

Bankruptcy Pre-Discharge Education: "Money In Motion" is a program designed to provide the required educational course for pre-discharge of bankruptcy.  This educational course will be offered through in-person in our offices, mail and/or online resources. The cost for online is $25 per person; the cost by phone or in-person is $35 for an individual and $50 for a couple.  A Certificate of Completion (one certificate for individual and two certificates for a couple) will be given upon completion of the two hour course. Follow the link below to access the Money in Motion© online course.   You can now pay and enroll for money in motion on-line through Vanco Services. Click this link to get to their website. VANCO  You may still wish to contact our office to enroll or if you have questions. Call 1-800-245-1865 to schedule an appointment or contact our Operations Department by email.

Credit and Budget Counseling:  Confidential counseling is free and is available to anyone who would like to take advantage of the service.  Face-to-face counseling is available by appointment in the office.  Phone counseling is also available. Counselors work with clients to set a budget based on income, expenses, debts, priorities and goals.  A review of the clients’ credit situation is also included.  When appropriate, an action plan is created to help clients move toward a more positive financial future.  Open and print our handy Budget Worksheet Word document (100KB) or .PDF document (50K)

Most of our funding comes from voluntary contributions from creditors who participate in Debt Management Plans (“DMP”).  Since creditors have a financial interest in getting paid, most are willing to make a contribution to help fund our agency.  These contributions are usually calculated as a percentage of payments you make through your DMP—up to fifteen (15%) of each payment received.  However, your accounts with your creditors will always be credited with one hundred percent (100%) of the amount you pay through us and we will work with all of your creditors regardless of whether they contribute to our agency.

Credit Report Review:  Credit reports and credit scores remain a mystery to the average consumer.  CCCS can help.  A knowledgeable counselor will review the credit report with the client.  Clients are advised how to dispute credit report inaccuracies and what actions can be taken to keep credit scores as high as possible.  There is a $20 fee for this service.