Consumer Credit Counseling of the Black Hills

Bankruptcy Counseling

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.

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 7:00 at the Rapid City offices only.. Pre-registration is required. Call 348-4550 or 1-800-568-6615 to sign up now.

Counseling sessions average 90 minutes. The cost is $25 per person. Payment is by money order, cashiers check, or cash if paid in person. Fees will be waived if you income is at or below the poverty level or if your filing fees will be waived.

To learn more about the Home Affordable Modification Program (HAMP) for Homeowners in Bankruptcy visit the following:

If you haven’t registered and want to pay online click here. All registrations will be handled within one business day upon recieving payment.

If you have already received your user ID and password for pre-file bankruptcy counseling online and would like to begin or continue the course please click here.

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.