Pre Bankruptcy Certificate
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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 $50.00 per consumer
Joint Session $75.00 total if completed by co-clients at the same time.
Group Briefing with individual analysis following:
  • Less than 10: $50.00 per consumer
  • 10 or more: $40.00 per consumer
Internet Counseling: (North Carolina and Alabama Districts Only)
Internet initial signup, budget development module, educational module, counseling assistance via telephone (NC/AL Districts Only)
$40.00 per consumer
Referral direct from attorney - with Internet budget development module and educational modules.
$40.00 per consumer
Joint filers in same internet session.
$30.00 per consumer
Telephone initial contact, contact for budget development, or contact prior to analysis session.
$50.00 per consumer
Payment Options Include:
  • Automatic checking or savings debit
  • Money order or personal check mailed to our office

Note: Presently, we cannot accept credit or debit card payments.

Pre Bankruptcy Certificate Information
Approved Bankruptcy Certification Services* ©2005 - 2008
*Approval to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services.