Bankruptcy Counseling

Bankruptcy counseling

Our certified counselors work with you to create a personalized, individual financial assessment. Together, we will look at your income, expenses, assets, and liabilities. We’ll provide you with an accurate and honest summary of your financial situation that you can understand.

Equipped with this knowledge, we will discuss all your options, alternatives, and consequences of filing bankruptcy. Once you complete the bankruptcy counseling session, you’ll be issued a certificate of participation, which allows you to proceed with the bankruptcy process.

Agency counselors

All of our counselors are certified by the National Foundation for Credit Counseling.  A counselor will answer your questions about bankruptcy, but it is not or should it be considered legal advice. If you want legal advice, it is your responsibility to contact an attorney. While an attorney can make recommendations to file bankruptcy, ultimately the choice is yours.

Impact on your credit report & credit score

Your credit report or credit score will not be affected by budget, credit, or bankruptcy counseling taken through our agency. We do not report to any credit reporting agency or credit bureau. However, please understand that your credit report and credit score could be negatively impacted if you file bankruptcy, or select some alternative to bankruptcy, such as nonpayment of obligations, or debt settlement.

Find the road to financial freedom with these education programs:

CCCS Bankruptcy Counseling Services Image Graphic

Prior to filing for bankruptcy, individuals are required to complete a pre-filing bankruptcy counseling session. During the counseling session a budget is prepared, options, alternatives, and consequences of filing bankruptcy will be discussed. We are approved by the Executive Office of the United States Trustees (EOUST) to provide the required pre-filing counseling and issue certificates in all judicial districts in Wisconsin and Minnesota.