Pre-Bankruptcy Counseling Session

Your counseling session will consist of three parts: a multimedia presentation, a budget analysis and a debt analysis. The counseling session will begin with an online multimedia presentation that will provide information on credit, debt and the choices that are available when someone experiences financial difficulty.

After the online presentation, call CC&BC to talk with a Certified Counselor who will work with you to analyze your budget. This budget would then be compared to an normalized budget to help identify expenses that may be higher than expected. The cause(s) of your current financial situation will then be discussed, with attention to your ability to modify the behavior that led (or contributed) to your current situation.

Your Counselor will then analyze your debt situation and review the choices that are available to you.