Consumer Credit Counseling Service of Central Oklahoma is proud to be an approved non-profit bankruptcy counseling agency for the entire state of Oklahoma.
Note to Reader: You will want to be sure to scroll down for all of your information.
- Each class contains worksheets that MUST be completed before your certificate will be issued. Please ensure that each worksheet has been completed and saved prior to class completion.
ENTERING PERSONAL INFORMATION
- Please do not use “nicknames” when entering your information. Enter your legal name. The name you enter will be printed on your certificate.
- When completing the personal information, please ensure that you put the county you are filing bankruptcy in and not the country you live in.
- After completion of your course, the United States Trustee’s office requires that we speak with you to verify your information. You may contact us at (405)789-2227 or 1 (800) 916-4522.
YOUR CERTIFICATE WILL NOT BE ISSUED WITHOUT VERIFICATION
ISSUING OF CERTIFICATES
- All certificates will be emailed directly to the attorney listed on your account. If you are not using an attorney, please enter “Prose” as the attorney‘s name and your email address as the attorney’s email address.
CCCS of Central Oklahoma Statement of Disclosure.
Please read these important disclosures
I understand Consumer Credit Counseling Service (CCCS) will provide me with a comprehensive personal financial course. The course will be conducted by a Certified Consumer Credit Counselor. CCCS counselors receive extensive financial training and must become certified through the National Foundation for Credit Counseling (NFCC). The certification process consists of passing tests over 7 books, on-going job training, and continuing education. CCCS counselors do not receive any commissions or bonuses based on the outcome of counseling services provided by the agency.
I hold CCCS, its employees, agents and volunteers free of liability from any claim, suit, or action or demand of my creditors, myself or any other person resulting from advice or counseling. Nothing herein shall apply to actions or claims under the provisions of the United States Bankruptcy Code, 11U.S.C 101 et sq.
I will be given educational materials and training regarding the principles of personal financial management. I may take this course via the Internet, telephone or in a classroom. I understand that I must complete a pre and post-test. Upon completion of the course and a minimum post test score of 70% I will be issued a certificate of course completion promptly upon completion of a brief phone conversation with a counselor. You will also have the opportunity to complete a voluntary anonymous course evaluation.
I understand that CCCS may disclose information to the United States Trustees [28 C.F.R. sec. 58.20(l)(10)] and that the United States Trustees has reviewed only the agency’s counseling/instructional services and no other services the agency may provide. [28 C.F.R. sec. 58.50(l)(11)]
CCCS counselors may answer general questions about bankruptcy but do not give legal advice. If I should need legal advice, I understand that I must contact an attorney. While an attorney can make a recommendation to file bankruptcy, it is a personal choice based on individual circumstances.
I understand that some of CCCS’ funding comes from voluntary contributions from creditors who participate in DMPs. Since creditors have a financial interest in getting paid, most are willing to make a contribution to help fund CCCS. These contributions are usually calculated as a percentage of payments made through a DMP – up to fifteen percent (15%) of each payment received. However creditors credit one hundred percent (100%) of the DMP payment to the client’s account. CCCS works with creditors regardless of whether or not they contribute. Other funding sources include client fees, private donations, grants and the United Way. CCCS does not pay or receive fees or other consideration for the referral of debtor students to or by the provider.
I understand there is a fee for the pre-filing briefing and certificate. The Fees are if filing single $45.00 online or $50 over the telephone or in-person. For couples the fee is $55 online or $60.00 over the telephone or in-person. For extenuating circumstances, when scheduled classes will not meet the client need, Emergency services are available for an additional fee of $40.00 per individual and $50.00 per couple above the standard fee.
I understand there is a $35.00 fee for the pre-discharge education for individuals taking the course online and $45 for individuals taking the course by phone or face to face. For couples taking the course online, there is a discounted fee of $45 and $55 for those taking the course by phone or face to face. The fee may be paid by cashier’s check, money order, or one-time ACH.
Fee waivers are based on client eligibility. The agency will review the client’s income and if it is less than 150% of the federal poverty rate as published by the Health and Human Services then a fee waiver will be issued. I understand for those that may not be English proficient, we will providing free bilingual instruction or professional interpreter assistance to any limited English proficient debtor
I understand that in the event I am dissatisfied I can utilize the Complaint & Grievance Resolution Process.
I authorize CCCS to 1) disclose any information concerning my financial situation and status, including but not limited to income, debts, credits, earnings, assets, and residential and work addresses, to creditors and/or attorneys listed by me, unless otherwise required by law, 2) obtain whatever financial information concerning me from any creditors, as CCCS deems necessary, and 3) disclose any information concerning my financial situation and status with CCCS to officials who are authorized to do background checks for purposes of employment or security.
Statement Regarding Refunds:
CCCS is not obligated to provide refunds in the event an error occurs based on a client failing to follow instructions that have been provided. If refunds are issued for other reasons determined between CCCS and the client, there will be a $10.00 processing fee assessed; further, in cases involving a completed course an additional $10.00 course fee will be assessed.