On-Line Instructions

Step One

Client completes required disclosures and mails or faxes to CC&BC:

1. Income Certification

2. Affidavit (with a copy of ID)

3. Budget Worksheet

3. Fee

Step Two

Agency sends the client a unique link to the presentation via e-mail.

 

Step Three

Client views the online briefing via e-mailed link (allow 1 Hour)

 

Step Four

Client(s) call CC&BC @ 1(888)738-8233 to complete the counseling on the phone with a Certified Counselor (allow 30+ minutes).

Counselors Available during the following hours:

Monday to Thursday 8:00am - 6:00pm

Friday 8:00am - 12:00 noon

Step Five

Agency will issue certificate via e-mail (after verification)

 

 

Students can e-mail questions regarding the material to questions@PreBankruptcy.org

A response will be sent within 24 hours, excluding weekends and holidays.

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.  As part of your analysis your counselor may also develop a Debt Management Program that will show what CC&BC can do to help you get out of debt through a structured debt repayment program.  There is NO obligation to receive a Debt Analysis or join a Debt Management Program.

 

 

Online Presentation:

Introduction
Credit, What is it?
Credit Reports
Credit Scores
Controlling your Credit
Choices When you Experience Financial Difficulty

Budget Counseling:

Cause of current Financial Situation

Income

Expenses

Making adjustments to avoid problems in the future

  Debt  Counseling:

Current debt Situation

Review of Options:

          - Do It Yourself

          - Credit Counseling

          - Bankruptcy

          - Debt Consolidation

          - Debt Negotiation