Family Services, Inc. is approved to provide an instructional course in personal financial management, or credit counseling services as required under the Bankruptcy Code. *

The charge for pre-filing counseling (approx. 90 min.) including the completion certificate is $50.00 per individual.  The charge for pre-discharge debtor education class (approx. 3 hrs.) including the completion certificate is also $50.00 per individual.  This fee may be waived if you are receiving your legal services pro-bono, or if your sole source of income is disability; however, you will need to provide proof of pro-bono service or disability income. 

Please call (800) 232-6489, Ext. 10 to enroll in Charleston, SC (Myrtle Beach and Conway area clients call 843-234-3801 for appointments at Horry County United Way).  Seats are limited for each class- unfortunately we cannot allow any children or guests in the classroom.

Tuesday Afternoon Classes

 

Under the new Bankruptcy Abuse Prevention and Consumer Protection Act 2005, all individual debtors who file for bankruptcy on or after October 17, 2005 must undergo Pre-Filing Counseling within six months before they file bankruptcy and then complete a Debtor Education Counseling course in financial management after they filed for bankruptcy.

 
Family Services - CCCS Div. - has a team of trained, certified and SC licensed counselors.  They will work with you to create a detailed financial assessment, analyze your income, assets, and liabilities,  and provide you with a true picture of your financial situation.  During the pre-filing session we will talk to you on all the components of budgeting and credit counseling.  After completion of the course, each participant will receive a numbered certificate to verify completion of this class.

If you are receiving your legal services pro-bono, or if your sole source of income is disability, this fee may be waived; however, you will need to provide proof of pro-bono service or disability income to be eligible.

*  Family Services, Inc. is approved to issue certificates in compliance with the Bankruptcy Code.  Approval does not endorse or assure the quality of an Agency's services.
 

Reminder:  Pre-registration is required to ensure seats are available!  Please refer to the calendar for upcoming events.  Please click the event date you are interested in and there will be a Registration Form attached for you convenience. 

Once an individual has an attorney file a bankruptcy case on their bahalf, they must complete a debtor's financial literacy class before the bankruptcy court will discharge the debts.  Family Services - CCCS "Second Chance" course is a comprehensive study of all aspects of personal finances.  Certificates are issued upon completion of course.  

*  Family Services, Inc. is approved to issue certificates evidencing completion of a personal financial management course in compliance with the bankruptcy Code.  Approval does not endorse or assure the quality of an Agency's services.

Reminder:  Pre-registration is required to ensure seats are available!  Please refer to the calendar for upcoming events.  Please click the event date you are interested in and there will be a Registration Form attached for you convenience.