Pre Bankruptcy FAQs

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Pre Bankruptcy Certificate information The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, signed into law April 20, 2005, has brought some changes to filing bankruptcy. The new law requires, among other things, consumers to receive credit counseling and financial education prior to filing for bankruptcy. Once you have successfully completed these requirements you will be given a certificate to recognize your completion of them. ABCS* will provide you with the counseling and education required to earn your Pre-Bankruptcy Certificate.

Fee Schedule
In Person/Telephone Counseling:
Individual Session / In Person or Telephone	$50.00
Joint Session / In Person or Telephone	$50.00 (if completed by co-debtors at the same time)


Internet Counseling:

Internet initial signup, budget development module, educational module, counseling assistance via telephone
$40.00 per consumer

Joint filers in same internet session.
$40.00

* Services will be provided without regard to ability to pay the above stated fees. CCCI will consider the reduction/elimination of the fees depending on the specific circumstances of the client.

Payment Options Include:

Debit Card Payments Automatic checking or savings debit Money order or personal check mailed to our office MoneyGram - Please call 1-800-531-5124 for details & our receiver code Note: Presently, we cannot accept credit card payments.