The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, which took effect on October 17, 2005, mandates that individuals filing for bankruptcy must undergo counseling prior to filing bankruptcy and a financial education course prior to the discharge of debts. Consumer Credit Counseling Service (CCCS) of The Village is approved by the Executive Office for US Trustees (EOUST) to provide both pre-bankruptcy counseling (in North Dakota and Minnesota) and bankruptcy debtor education (in all judicial districts except Alabama, Oregon and North Carolina).
*Approval does not indicate EOUST endorsement or assure the quality of agency's services.
Pre-Filing Bankruptcy Counseling
A pre-filing bankruptcy counseling session is approximately 90 minutes and includes an overview of the bankruptcy process; a discussion of possible alternatives to bankruptcy, including their advantages and disadvantages; and a personalized budget analysis. The session also will include a discussion of the circumstances that led the consumer into financial difficulty. When you complete the session you will receive a certificate of completion that you will have to include in the filing with your bankruptcy petition. To schedule an in-office or telephone appointment, call 1-800-450-4019, or click here for online bankruptcy counseling.
Classroom Bankruptcy Debtor Education
Live a Richer Life is a comprehensive financial literacy course that complements a bankruptcy discharge. This course provides the information and tools to improve your financial position in the absence of debt. CCCS of The Village is offering classroom bankruptcy education classes in locations throughout North Dakota and Minnesota. Click on the link above for a complete class list and instructions for registering for an upcoming class.
Online Bankruptcy Debtor Education
To register for our online bankruptcy education course, and receive your Student ID, click on the link above. Participants will need to complete a Bankruptcy Education Disclosure/Registration Form. Our education courses will take about 2 hours to complete. Cost for the education is $50 per person. Consumers requesting a waiver or fee reduction will be required to provide proof of income.
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