|Please Note: This is the first session of two bankruptcy sessions that need to be completed to finish your bankruptcy proceedings!
CCCS of Northern Illinois is approved by the Executive Office of the U.S. Trustee to do pre-bankruptcy counseling and issue certificates in compliance with the Bankruptcy Code. A certificate is issued at the completion of the counseling, which is necessary to file for bankruptcy. The counseling must be performed within 180 days prior to filing. The counseling is available in person, by phone, or online if desired. Couples filing jointly may receive the counseling together. The counseling takes between one to two hours, depending on your situation. Fees are $50 for an individual, $75 for a couple filing jointly.
Individuals with a gross household income under 150% of the federal poverty guidelines (see table) may be entitled to a reduced fee or fee waiver. Please contact our office at 815-338-5757 for more information.
CCCS of Northern Illinois has several certified counselors who will work with you to create a detailed personal assessment of your financial situation. During your session, the counselor will help you analyze your income, expenses, assets and liabilities and provide you with an accurate picture of your financial situation. This counseling is also designed to explore alternatives to filing.
The on-line counseling is designed so that you will read about budgeting and the bankruptcy process. You will then fill out several forms which include indicating a reason for filing bankruptcy, a household budget, list of assets and a list of debts to be included in the bankruptcy. Once you submit the completed forms, a counselor will review the information and develop a personalized action plan. The counselor will follow up with you by phone to review the situation and to discuss any possible alternatives to filing for bankruptcy protection.
Upon completion of the bankruptcy session, you will be issued a certificate of completion. This certificate allows you to proceed with the bankruptcy process. It is our goal to make this delivery as smooth and efficient as possible.
There are several options to get started: