Pre-Bankruptcy Filing Counseling The Bankruptcy Reform Act, S.256 better known as The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, effective October 17, 2005 requires all parties seeking to file for bankruptcy protection must first be counseled by an Approved non-profit credit counseling agency. Consumer Credit Counseling Service (CCCS) is providing this service as required by the “Act”. Once this counseling session has taken place you will be issued a Certificate to present to your attorney for filing with the court. In the case of joint filers both parties are required to complete the counseling session and each receive a Certificate. This counseling session must be completed prior to your filing for bankruptcy protection. You have chosen to receive this counseling session by way of the Internet. CCCS also offers this counseling by means of a face-to-face session or by phone. Please call CCCS at 1-800-882-0808 to arrange a face-to-face or phone session if you prefer. CCCS firmly believes that a one-on-one counseling approach is the best way to relay vital information such as a budget and information about budgeting. Therefore THIS Internet session will be finalized by a personal phone session prior to your Certificate being presented to you. When you click on the “continue” button at the bottom of this page you will see: Information Sheet/ ID Verification. Please fill out this form completely, and click on the “Continue” button (if there is a joint filer both must furnish the required information). Next you will see a Disclosure Form. Please read this form in its entirety and click on the “I/We Accept” button at the bottom. (If there are joint filers both must agree.) You will then be shown our Privacy Policy. Please complete this page and press “I/We Accept”. You will then be asked to fill out an Assessment Page. Please complete and press “Continue” You will then be asked to fill out the financial information. These forms will total as you enter. Press “Continue”. Fill out the Balance sheets. These forms will total as you enter, press “Continue”. BROWSERS MUST HAVE COOKIES ENABLED FOR FORM TO WORK PROPERLY. Click here for a PDF version of the form to print out and complete. Click here to download Adobe Reader.