bankruptcy :

Bankruptcy Counseling Courses Online

CCCS of Buffalo is approved to issue certificates evidencing completion of a personal financial management instructional course and a debtor education instructional course in compliance with the Bankruptcy Code.

(not available in Massachusetts, Oregon, North Carolina, or Alabama)

Approval does not endorse or assure the quality of an Agency's services.

Before you register and pay for the bankruptcy online course, please review the following information:

NOTE: Your certificate is not available until you are contacted by one of our credit counselors.

  1. CCCS of Buffalo, Inc. is approved to issue certificates for pre-file and pre-discharge bankruptcy counseling in the United States of America (not available in Massachusetts, Oregon, North Carolina, or Alabama). "Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services."
  2. Check the computer system requirements by clicking the following link before enrolling for the session. Clients will be responsible for fees if system requirements are not compatible.
  3. Joint filers must conduct their own individual courses using unique email addresses in order to obtain a certificate.
  4. Please consult our PDF Document FREQUENTLY ASKED QUESTIONS document for many questions you may have regarding the course.If you need any assistance throughout the online counseling course, you may reach us at (716)712-2060 or (800)926-2685, Monday through Thursday 9am to 6pm and Friday 9am to 4pm. You may also contact us via our Online Contact Form.
  5. If you need to request a fee waiver, please review the fee waiver guidelines:
    PDF Document Fee Waiver Guidelines and Form
    If you are eligible, please complete the fee waiver form (last page of the document) and return to Bankruptcy Online Department by fax (716-712-2079) or postal service to our West Seneca address.
  6. Upon completion of the online course, one of our NFCC Certified Counselors will be REQUIRED to contact you by telephone to review your material within one(1) business day. Our counselor will validate that you have completed all required worksheets and that you have spent the appropriate amount of time on the course material.
  7. Note: For Pre-File Counseling clients, please have the following items ready before beginning your session:
    • List of household expenses
    • Documentation of your monthly income
    • Your most recent creditor statements
    • Many consumers seeking this counseling have already consulted with an attorney prior to starting this process. If you have done so, please also have available:
      • Your attorney's name
      • Your Attorney Firm Code (if your attorney gave you this information)

Begin your PRE-FILE bankruptcy counseling course online »

NOTE: For Pre-Discharge Counseling Clients, a valid CASE NUMBER will be required. (Your case has been filed and you have a Bankruptcy case number.)

Begin your PRE-DISCHARGE bankruptcy counseling course online »

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