Consumer Credit Couneling of Kern and Tulare County Call Us: (661) 324-9628
Toll Free: (800) 272-2482

Bankruptcy

Fast, Easy, & Affordable! 

This is the first step of bankruptcy BEFORE you file. For your convenience we offer in person, over the phone, and online counseling.  Please see below for the required information for each type of appointment. 

Please note:  We do not communicate with your attorney.  You must provide us with all the required information, even if you have already provided it to your attorney.

SERVICES PROVIDED FOR CALIFORNIA RESIDENTS ONLY

ONLINE PRE-FILING COUNSELING


Please submit the following information: 

  1. PAY $45 counseling fee. You can  pay online using your debit card or MAIL $45 (MONEY ORDER or CASHIERS CHECK ONLY!) to CCCS, 5300 Lennox Avenue, Suite 200, Bakersfield, CA  93309.  Please note that if you pay online, it may take up to three business days for our bank to be notified that your funds have been transferered. **


  2. COMPLETE the Online Bankruptcy Counseling Forms.  Please make sure to fill out ALL information, including your NAME, MONTHLY EXPENSES and DEBTS.  Please be sure to include your email address as this is the most efficient way for your counselor to contact you regarding the information in your forms.


IN PERSON Appointment


Please call our main office at 661-324-9628 or 800-272-2482 to schedule an appointment and have ready the followig items:

  1. Bankruptcy In Person 2011 (filled out completely)
  2. Statements from all creditors or credit report (no more than three months old)
  3. Two most recent pay stubs
  4. $45 counseling fee (CASH, MONEY ORDER, CASHIERS CHECK or pay online ahead of time using your debit card.)  Please note that if you pay online, it may take up to three business days for our bank to be notified that your funds have been transferred.  Unless you pay AT LEAST three business days before your appointment, it's best to bring in CASH, MONEY ORDER or CASHIERS CHECK.**

PHONE/MAIL/FAX Appointment


Call 661-324-9628 or 800-272-2482 to schedule an appointment and mail us the following items prior to your appointment date and time:

  1. Bankruptcy Packet Phone 2011 (filled out completely)
  2. Statements from all creditors or credit report (no more than three months old)
  3. Two most recent pay stubs
  4. $45 counseling fee (MONEY ORDER OR CASHIERS CHECK ONLY!) OR pay online USING YOUR DEBIT CARD.  Please note that if you pay online, it may take up to three business days for our bank to be notified that your funds have been transferred. **
** To help cover the cost of providing this session to you, this agency charges a fee of $ 45, certified funds or cash only. In limited circumstances, you may be eligible to have this fee waived.  Services will be provided without regard to the ability to pay the fee.

CCCS has  received approval from the Executive Office of the United States Trustees to issue pre-discharge bankruptcy education certificates in compliance with the US Bankruptcy Code.**

CCCS of Kern & Tulare Counties has over 42 years of experience educating consumers and clients about money and credit.    This agency is a member of the National Foundation for Credit Counseling (NFCC).  The NFCC has high standards for quality credit counseling and financial education, and this agency complies with those standards.  In addition, this agency is accredited by the Council on Accreditation, an independent third-party organization that reviews and monitors entities that provide social services.  We are a non-profit agency.  We are organized and operate in accordance with Section 501(c) (3) of the Internal Revenue Code. We do not pay or receive fees or other considerations for referrals of debtor students to our agency.

You have the option of taking our Bankrutpcy and Community Education Program, Money in Motion, in a classroom setting or online.  A certified consumer credit counselor or teacher will be conducting or supervising the Money in Motionclasses.   Please call 661-324-9628 for a classroom setting schedule.

Read an overview of Money in Motion.

Resumen en Espanol de Dinero en Movimiento.

We will ask you to voluntarily fill out basic demographic information.  We will not disclose any such information that you provide orally or in writing to anyone, except as authorized by you in writing or as required by law.  We may compile data in aggregate form; however, your information will not be disclosed in any manner that would personally identify you.

To help cover the cost of providing this program to you, this agency charges a fee of $ 50 for the Money in Motionprogram. In limited circumstances you may be eligible to have this fee waived.  We will not deny service due to an inability to pay.<o:p></o:p>

At the conclusion of Money in Motion, you will be provided with a certificate that you will need if you are filing for bankruptcy.  You will need to provide us with your bankruptcy case number for this certificate.

**  Approval by the EOUST does not endorse or assure the quality of an agency's services.




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