Bankruptcy Pre-Filing Credit Counseling Course

The Pre-Filing Credit Counseling requirement was instituted to make sure that individuals have a complete understanding of the Bankruptcy process, what can be included in the bankruptcy,how you will be affected after the bankruptcy and if bankruptcy is your best alternative.

We understand that each person that seeks assistance has a unique financial situation.  During your pre-filing counseling session, a certified credit counselor will work with you to develop a detailed personal financial assessment.  Your counselor will review your income, expenses, assets, and liabilities.  This process will provide you with a true and accurate picture of your financial situation.  The personal financial assessment is just the first piece that is developed to help your determine the right solution for your financial situation.  Your counselor will work with you to develop a reasonable and manageable spending plan, a detailed action plan, and short and long-term financial goals.

You have the option of taking our Pre-Filing Credit Counseling financial education program, Counseling in Motion BK Edition Course:

1. classroom
2. telephone
3. online

A certified financial/credit counselor  will be conducting or supervising the Counseling in Motion BK Edition online Course classes.

• Upon completion, you will be issued a certificate.  The certificate is valid for up to 180 days after the date that the counseling was completed.

• You will need this certificate to receive your bankruptcy case number.

• You will need to fax or email us a copy of your drivers license and social security card to confirm your identity. Our fax number is 855-250-2515 or email it to BKcounseling@ccmsclient.org.

• You will receive a username and password once you enroll in the Pre-Filing Credit Counseling Class which is required in order to start the class.

From the comfort of your home, you can complete your pre-filing counseling session by telephone or internet.  In-person appointments are available in our Delray Beach, Florida location. Online students, please email any questions you have regarding Counseling in Motion BK Edition to BKcounseling@ccmsclient.org. You will receive a response to your questions within 24 business hours.

We will ask you to voluntarily provide basic demographic information. We will not disclose any such information that you provide orally or in writing to anyone, except as authorized by you in writing or as required by law. We may compile data in aggregate form; however, your information will not be disclosed in any manner that would personally identify you.

To help cover the cost of providing this program to you, CCMS charges a fee of $25.00 for the internet class and $50.00 for telephone and in-person classes. Payment can be made by debit card, electronic check, money order or certified check. In limited circumstances you may be eligible to have this fee waived. We will not deny service due to an inability to pay. The fee can be waived with proof that your income falls below the poverty level according to the most current US Census figures. For more information on fee waivers call 1-855-247-5669.

At the conclusion of the bankruptcy Pre-Filing Credit Counseling, Counseling In Motion BK Edition Course, you will be provided a certificate within one business day. You will need this certificate to receive your bankruptcy case number. Timely certificate delivery is offered by email, fax, or mail.

Consumer Credit Management Services has over 20 years of experience educating consumers and clients about money and credit. CCMS has high standards for quality credit counseling and financial education.

In addition, CCMS is a non-profit agency. CCMS is organized and operated in accordance with Section 501(c)3 of the Internal Revenue Code. We do not pay or receive fees or other considerations for referrals of debtor students to our agency.