How do you want to complete your counseling?
Consumer Credit Counseling Service, Inc. (CCCS) has over 32 years of experience educating consumers and clients about money and credit. Our counselors have completed the professional certification program with the National Foundation for Credit Counseling and are required to continue their education yearly to maintain this highly regarded certification. Our 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 our agency complies with those standards. In addition, our agency is certified by the Council on Accreditation, an independent third-party organization that reviews and monitors entities that provide social services.
CCCS is a non-profit agency. We are organized and operate in accordance with Section 501(c)(3) of the Internal Revenue Code. CCCS receives funding in the form of grants from banks and other financial institutions that support financial counseling. We do not pay or receive fees or other considerations for referrals of debtor students to our agency. CCCS is obligated to provide your certificate promptly upon completion of counseling/briefing, and we will do this within one business day upon the completion of your course. You will only receive your certificate upon completion of counseling. The Executive Office for the United States Trustee (EOUST) may review client information as needed. The EOUST has only reviewed and approved Pre-filing credit counseling and Post-filing debtor education services.
How to Complete the Counseling
In-person or by phone
If you are completing this process in-person or by phone your counselor will ask you questions about your budget, assets, creditors, and factors that led you to consider bankruptcy. After reviewing all your information, your counselor will conduct an analysis of your financial situation and explore your options with you and develop an individualized action plan for dealing with them. If you complete this counseling in person your counselor will provide you copies of all this information. If you are completing this process by phone your counselor will email, fax or send you copies of this information.
If you are taking this program online, the program will ask questions about your budget, assets, creditors and factors that led you to consider bankruptcy. There is a requirement by law that you must have interaction with your counselor in the counseling process. Your counselor will contact by phone to ask questions about the information you provided. Your counselor will discuss the factors/reasons leading you to why you are considering bankruptcy, and review your budget, creditors and assets. Your counselor will conduct an analysis of your financial situation, explore all alternatives to resolve your credit problems, and develop an individualized written action plan for dealing with your situation. The quality of your counseling session does not depend upon whether you decide to file for bankruptcy or not.
In addition, the quality of the counseling session will not be diminished if you are completing the counseling session by telephone or internet. Once this is complete you will be notified by email to log back into the program where you can print copies of all this information for your records.
Disclosures for Pre-Filing Credit Counseling Services
Please read the following statements carefully so that you will understand the procedures for this session. If you would like to speak with one of our certified counselors, our agency can be reached at 316-265-2000.
To help cover the cost of providing this session to you, this agency charges a fee. The cost is $30 for online counseling or $50 for counseling in person or over the phone, regardless if you file single or jointly, payable by debit/paypal. 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 click on "I agree and would like to continue" under the Fee Waiver Calculator or contact our office directly at 316-265-2000. The fee amounts include any fees associated with generation of the certificate.
Our agency has a policy of prohibiting it from paying or receiving referral fees for the referral of clients, except under a fair share agreement. No fees are either paid or received by our agency for the referral of a client to a bankruptcy attorney or any bankruptcy alternative agency.
We do provide counseling in English or Spanish, should you require another language please visit the US Trustee site.
If you are dissatisfied with the service provided by our agency you can utilize the Complaint Resolution Process.
The United State Trustee has reviewed only our credit counseling and personal financial management instructional course pursuant to 11 U.S.C 111(d) and the US Trustees has neither reviewed or approved any other services we provide to clients.