Bankruptcy

Considering filing for bankruptcy? This can be a confusing and emotional time. We have developed special programs to help you through this difficult process.

The new bankruptcy law states you must complete a counseling session from an approved credit counseling agency and obtain a certificate of bankruptcy counseling prior to filing for bankruptcy. You must also complete a financial education program and receive an education certificate from an approved provider prior to your bankruptcy being discharged. Our Pre-filing Bankruptcy Counseling and Pre-discharge Bankruptcy Education will help you make informed choices.

Bankruptcy Counseling

CCCS works with you to develop a budget, explore your options, and create a personalized action plan.

You have the option of completing counseling in one of three ways: group in-person counseling, individual telephone counseling, and individual in-person counseling. Group counseling is conducted each Thursday evening 5:30 to 7:30 at the Rapid City offices only.. Pre-registration is required. Call 348-4550 to sign up now.

Counseling sessions average 90 minutes. The cost is $35 per person. Payment is by money order, cashiers check, debit card, or cash if paid in person. Services are provided regardless of ability to pay.  Fees will be waived if you income is at or below the poverty level or if your filing fees will be waived.

Please call today to register for bankruptcy counseling 1-800-568-6615 x 101 or 605-348-4550 x 101.

Bankruptcy Education

CCCS provides the education program Money in Motion. You have the option of completing Money in Motion in one of two ways: Classroom and Internet.

Classroom education is conducted each Thursday evening 5:30 to 8:00 at the Rapid City offices only..

The time required for the education program is two hours. The cost is $35 per person. Payment may be by money order, cashiers check, debit card or cash if paid in person. Services are provided regardless of ability to pay.  Fees will be waived if you income is at or below the poverty level or if your filing fees are waived.

Please call today to sign up for Money in Motion for bankruptcy education 1-800-568-6615 x 101 for 605-348-4550 x 101.

Approved to issue certificates evidencing completion of a budget and credit counseling session and of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a provider's service.