Community Credit Counseling Specialists
"Your COMMUNITY Credit Counseling Service."
A Non-Profit Community Service
Helping Consumers Become Debt-Free Since 1982

ISO 9001:2000
FS59499

INSURED
AND
BONDED

Bankruptcy Counseling and Certification

Bankruptcy is a choice that will have an effect on the rest of your life and is not a decision that should be taken lightly. With the enactment of the Bankruptcy Abuse Prevention and Consumer Protection Act it has also become even more complex. Among the provisions of the new law are mandatory counseling courses each consumer must fulfill:

Counseling Requirement 1: An individual may not be a debtor under this title unless such individual has, during the 180-day period preceding the date of filing of the petition by such individual, received from an approved nonprofit budget and credit counseling agency an individual or group briefing (including a briefing conducted by telephone or on the Internet) that outlined the opportunities for available credit counseling and assisted such individual in performing a related budget analysis.

Counseling Requirement 2: Once an individual has filed their bankruptcy petition the debtor is to complete an approved instructional course concerning personal financial management This approved course must be completed prior to the consumer being eligible to receive their bankruptcy discharge.

Community Credit Counseling Specialists has been approved by the United States Trustee to provide credit counseling for Counseling Requirement 1 and to issue certificates* in the following states: Ohio & Michigan.

Community Credit Counseling Specialists, Inc. has a group of highly trained counselors who will assist you with your bankruptcy certification process. These counseling sessions can be done face to face, via telephone, or over the internet.

*Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s Services.

How Do I Begin?

To complete Counseling Requirement #1 for Pre-Petition Bankruptcy Counseling we request a contribution to cover the costs involved with the pre-bankruptcy filing certification of $50.00. This contribution can be made through a bank draft submitted using our contribution form to continue. Click here to go to the Pre-Petition Bankruptcy Counseling contribution form. Any donation is not mandatory, and services will be provided regardless of the clients ability to pay such donations.

We will require two forms of identification before beginning the counseling session, such as a drivers license and a bill such as a utility that has your current name and address on it. This identification must be submitted to our office either in person, by mail, email or fax before the pre-petition bankruptcy counseling can be completed. If married and both parties are filing, identification of both parties must be provided.

By Telephone Interviews:

Call to speak to a counselor immediately or to schedule an appointment, please call: 419-865-2333 or Toll Free 1-888-662-3313 Or Click here to Schedule an Appointment On-line.

To Submit Your Application By Internet:
Access our website, www.CreditCounsel.org, Click on the "Bankruptcy Application" link on the left side of the website, and fill out our On-Line bankruptcy application to the best of your ability. If you have a printer, print the form first, then press the Submit button at the bottom of the form. A counselor will contact you for follow up. PLEASE HAVE THE INFORMATION WHICH YOU SUBMITTED AVAILABLE DURING THE INTERVIEW.

Schedule an Appointment On-Line so a counselor can walk you through the process based on your situation.

In Person:

Call to schedule an appointment so you don't have to wait, please call: 419-865-2333 or Toll Free 1-888-662-3313 Or Schedule an Appointment On-line.

Our main office:

Community Credit Counseling Specialists, Inc.
5301 Southwyck Blvd., Suite 100
Toledo, Ohio 43614-1580
Telephone 419-865-2333
Toll Free 1-888-662-3313
Fax 419-868-0207
E-mail

  
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