Online Pre-file Bankruptcy Counseling

Disclosures for Pre-file Bankruptcy Counseling

Please read the following statements carefully so that you will understand the procedures for this session.

CCCSMD has over 50 years of experience educating consumers and clients about money and credit. Our certified counselors have completed the professional certification program with National Foundation for Credit Counseling (NFCC) and are required to continue their education yearly to maintain this highly regarded certification. Our agency is a member of the NFCC. NFCC has high standards for quality credit counseling and financial education, and our agency complies with those standards. In addition, our agency is accredited by the Council on Accreditation an independent third-party organization that reviews and monitors entities who provide human service organizations.

CCCSMD is a non-profit agency. We are organized and operate in accordance with Section 501(c)(3) of the Internal Revenue Code. CCCSMD receives funding in the form of grants from banks and other financial institutions that support financial counseling. We do not pay or receive fees or other considerations for referrals of debtor students to our agency. CCCSMD is obligated to provide your certificate promptly upon completion of counseling/briefing, and we will do this within one business day upon the completion of your course. You will only receive your certificate upon completion of counseling. The Executive Office for the United States Trustee (EOUST) may review client information as needed.

Counseling in Motion is an online session. This online session will take at minimum 60 minutes in duration. Counseling in Motion will require verification of the person who is taking this counseling session prior to its commencement and before completion of the counseling. After completing the online counseling session you will have personal interaction with one of our certified bankruptcy counselors who will review with you the factors that caused your current conditions and help you develop a plan to respond to the financial problems without incurring negative amortization of debt.

At the conclusion of the counseling, you will be provided with a certificate that you will need, should you decide to file for bankruptcy. The certificate of completion will be issued no later than one business day after you complete the counseling session. You will only receive the certificate if you complete the entire session. This certificate is valid for 180 days from the date and time the counseling is completed.

Please note that pre-file bankruptcy counseling is not intended to take the place of a consultation with an attorney to explore your legal rights and options.

To help cover the cost of providing this session to you, this agency charges a fee. The cost is $19.95 for a single and $29.95 if you will file jointly, payable by debit/credit card/PayPal. The fee may be waived based on your lack of ability to pay. A waived fee is based on 150% of poverty guidelines updated periodically by the US Department of Health and Human Services. If you think you qualify for a waiver, please call 1-800-642-2227 or Contact Us. We do not charge a fee for the generation of your certificate of completion.

In order to assist you, it is essential that you provide us with information that is as accurate and complete as possible. For that reason, we may ask you to authorize us to access your credit history. Your credit report is not impacted by obtaining counseling through our agency and our agency will not disclose or provide any information about this counseling session to any credit reporting agency. Rest assured that the information concerning your financial condition and status that you provide during this session is strictly confidential. Such information would include, but is not limited to, income, debts, credit accounts, earnings, assets, employment data, etc. 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, such as in response to a subpoena or to the United States Trustee in their oversight of this agency or during the investigation of complaints, during on-site visits or during quality service reviews.

We may compile data and aggregate information that you give us, but this information will not be disclosed in any manner that would personally identify you.

As one of your options, you have the opportunity to negotiate an alternative payment schedule with regard to each unsecured consumer debt. If you should decide to enter into a Debt Management Plan (“DMP”), which our agency can provide, (which will be explained in the credit counseling session) you will be provided with a separate agreement and additional disclosure forms. If you choose to enroll into a DMP you may incur additional fees which would be explained to you should you be interested in this program.

If you choose to file for bankruptcy, you should know that your bankruptcy will affect your credit. A bankruptcy does not delete accurate information off of your credit report regarding your past delinquencies. A bankruptcy is a matter of public record and will be reported in the public section of your credit report. A bankruptcy will have a negative effect on your credit report and credit score. A potential creditor, landlord, or employer in the future may view this negatively. Depending on the type of bankruptcy you file, a bankruptcy may remain on your credit report for 7 to 10 years.

If, after your counseling session, you choose to enroll in a Debt Management program (DMP), participation in a debt management program may change information which is already on your credit report. If your credit report shows that you have paid your accounts as agreed in the past, a Debt Management Program could have a negative impact on a creditworthiness decision by a potential creditor, landlord, or employer in the future.

No fees are either paid or received by our agency for the referral of a client to a bankruptcy attorney or any bankruptcy alternative agency.

We do provide counseling in Spanish, should you require another language please visit the US Trustee site.

If you are dissatisfied with the service provided by our agency you can utilize the Complaint Resolution Process.

The EOUST has reviewed CCCSMD’s credit counseling and personal financial management instructional course pursuant to 11 U.S.C 111(d) and the US Trustees has neither reviewed or approved any other services we provide to clients.

If at any time you need to speak with one of our certified bankruptcy counselors please call 1-800-642-2227 or email your question to us. If you have any problems logging back into your account after you have enrolled click here and enter your user name and password.

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