We help clients that have trouble keeping up with bills and find themselves spiraling out of control with debt that seems impossible to repay. We are here to throw a lifeline, to help them get a handle on their debt, while creating a solution that can get them back to stability.
If you are facing bankruptcy, our counselors can provide you with required pre-filing and pre-discharge education and counseling. Our pre-filing bankruptcy education program is designed to help you explore all of your debt repayment options so that you can be fully informed before making this major financial decision. Our pre-discharge education program explores life after bankruptcy through such topics as how to rebuild credit, manage your money, and avoid future financial crises.
Step 1 – Self-Study Course
The first step is an online self-study program and online budget worksheet designed to take 30–45 minutes to complete. If you are married and you and your spouse are both filing bankruptcy, you each must complete the online self-study program. Only one of you will need to complete the online budget worksheet.
Step 2 -Counseling Session
Once you have completed the self-study and filled out the online worksheet, you will need to call us at 800.777.7526, press option 4 to schedule your pre-filing counseling session. Our counselors are available Monday–Thursday 5 AM–8 PM, Friday 5 AM–5 PM, Saturday 8 AM–5 PM (Pacific Time).
Your Next Move
Your Next Move is a personal financial management course approved by the Executive Office for U.S. Trustees to fulfill the requirements for pre-discharge debtor education. Your Next Move was developed by BALANCE (previously CCCSSF) to help consumers develop the necessary tools to rebuild after bankruptcy- and start over with a strong foundation in money management and the wise use of credit.