Pre-Filing Bankruptcy Budget and Credit Counseling

Under the new Bankruptcy Abuse Prevention and Consumer Protection Plan Act 2005, all individual debtors who file for bankruptcy on or after December 17, 2005 must undergo Pre-Filing Counseling within six months before they file for bankruptcy.

Consumer Credit Counseling Services of Hampton Roads is a program of the Center for Child and Family Services. CCCS of Hampton Roads has over 30 years experience of helping people with financial difficulties. We are a non-profit agency, in accordance with section 501C(3) of the IRS Code. 

Disclosure Statement

Our 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 our agency complies with those standards. In addition our agency is accredited by the Council on Accreditation (COA), an independent third party organization that provides extensive review and monitor organizations that provide services to the community.

All our credit counselors are certified through the National Foundation for Credit Counseling (NFCC).

Some of our funding comes from voluntary contribution and grants from creditors who participate in the Debt Management Program. Counseling is provided to all persons regardless of religion, sex, national origin, etc. 

CCCS of Hampton Roads does not receive fees or other consideration for the referral of debtor students to our credit counseling services. Our agency will not disclose any information about this session to a credit reporting agency. Pre-Filing class or individual session does not affect your credit report.

Once you complete the online course, including all required questions and worksheets, it must be reviewed by a certified counselor before your certificate is issued.  The counselor may request additional information from you via email or telephone that must be provided before your certificate can be issued.   This is to ensure that you are receiving a complete assessment of your financial situation and reasons for filing bankruptcy.   This initial review may take up to two business days to complete.  

Once the review is complete AND any requested additional information is provided, your certificate of completion will be sent to you via your chosen method (email, fax, or mail).   Your certificate will be dated when the counselor review and additional information are all complete, not at the time you initially complete the online course itself.  

You may choose to receive the certificate by email, mail, or fax or by your request we can fax your certificate to your attorney.

* Approved to issue certificates  evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an agency’s services.   Potential disclosure of client/debtor information to EOUST.   EOUST has not reviewed other non-counseling/instructional services.

If you feel you would qualify for discounted or waived
fees, please do not use this online option. 
Contact us at (757) 826-2227.

Single Filer  
Pre-filing Bankruptcy Online Registration

Cost for this class is $35.00

Filing Jointly
Pre-filing Bankruptcy Online Registration

Cost for this class is
$35.00 per household.

Payment for online services is through Paypal

Online Payment Instructional Guide
Click Here

If you are filing jointly with your spouse please indicate "yes" on the application.  If both joint filers cannot complete the online session together, and the filers will have to complete the online session at different times, please indicate "no" on your application.  Once you submit your registration, you must attend the online session as you have indicated on your application.  Upon receipt of your application, individual log-in identification will be provided to you to complete the online counseling session. 

Credit counseling sessions and classes are offered to debtor students within regard to a debtor student's ability to pay.

Fee Waiver Statement

A client may request a waiver in paying the standard program fee for a Consumer Credit Counseling Services of Hampton Roads due to pay such program fees (i.e. examples below).  The fee may be waived by requesting a fee waiver.  Our objective is to provide the level of counseling services regardless of a client's ability to pay for services.

Example of possible reasons for a client fee waiver/reduction:

  • Individuals with household income at or below 150 % of the Federal Poverty Level Guidelines.

  • Services will not be withheld due to client’s inability to pay

Please contact (757) 826-2227 to discuss these options.

Consumer Credit Counseling Services of Hampton Roads is approved to provide Pre Filing Counseling in the State of Virginia only.


2021 Cunningham Drive, Suite 400, Hampton, VA 23666  (757) 826-2227