The Bankruptcy Code requires you complete an approved financial education course with an approved agency* like CCCS before your debts can be discharged. We offer California residents our financial program, "Money In Motion," which can be completed online or in a classroom.
"Money In Motion" addresses financial literacy issues that will give you the tools to prevent future financial problems. Among key topics:
- Rebuilding finances after bankruptcy
- Developing and following a budget
- Understanding and using credit
- "Predatory lending"
- Identity Theft
Enjoy a classroom setting, or set your own pace with our online course. Facilitators will help you review the material and answer all your questions. Once you pass a short quiz, you be provided with the Certificate you need to have your debts discharged.
- Approximate course length: 2 hours
- Bankruptcy filing location: In-person classes offered in Arcata, CA only. On-line offered in all states except Oregon, Alabama and North Carolina.
- Certificate of completion: You will be given a certificate verifying completion of the course, and will have to file that certificate with the Bankruptcy Court in order to have your debts discharged. CCCS of the North Coast is approved by the Executive Office for U.S. Trustees (EOUST) to issue this required certificate in compliance with the Bankruptcy Code*.
- Program cost, including certificate: $50 per filer. Payment may be made by money order, cashier's check, or by clicking the pay online button below with a debit card featuring the MasterCard® or Visa® logo. Fee may be waived in certain hardship cases. Fee waiver guidelines and application are found in the Bankruptcy Education Packet (.pdf)
- Select the course setting best for you: Online or Classroom
Registration for the Online Course
- By making a payment for the online course, you acknowledge that you have read and understand
the following:
I understand that CCCS of the North Coast provided me with a complete course schedule including course dates, times, and locations available prior to my bankruptcy hearing.
I understand that CCCS of the North Coast charges $50 per person for the Bankruptcy Education Service:
I understand that CCCS of the North Coast will provide “Money in Motion” course materials at no additional charge.
I understand that CCCS of the North Coast provides the money management workshop to students regardless of the ability to pay. Fee waivers are based upon the client’s ability to pay. See Fee Waiver Guidelines. All refunds for cancelled services must be requested 48 hours prior to the service. All refunds for cancelled services are subject to a $15.00 processing fee.
I understand that CCCS of the North Coast requests that each student complete the Pre-Test and Post-Test.
I understand that CCCS of the North Coast will ask each student to fill out a voluntary, anonymous Evaluation Form.
I understand that the tests will be scored prior to furnishing a certificate of successful completion. Successful course completion does not require that the student attain any particular score.
I understand CCCS of the North Coast will issue a certificate of successful completion to each student.
CCCS of the North Coast does not pay or receive fees or other consideration for the referral of debtor students to CCCS.
I understand that in the event I am dissatisfied, I can use the Complaint Resolution Process.
I understand that I hold CCCS of the North Coast, its employees, agents, and volunteers harmless from any claim, suit, action, or demand of my creditors, myself, or any other person resulting from participating in the money management workshop. Nothing herein shall apply to actions or claims under the provisions of the United States Bankruptcy Code, 11 U.S.C. § 101 et seq.
I understand that at sometime in the future, my information may be used for confidential research.
- Once you have read and agree to the above, click below to register and pay:
The name on your payment card must match the information on your
registration form.
- Once you register and pay, you can begin taking the course immediately
by clicking below.
Registration for In Person Classes
To register for an in person classroom course,
- check the schedule
of workshops to find a scheduled "Bankruptcy Education" Money in Motion
class
- Download and complete the Bankruptcy Education Packet (.pdf), which includes:
- Statement of Bankruptcy Education Services
- Fee Waiver Guidelines
- Return the completed packet to our office.
For more information, or questions, call (800) 762-1811 or (707) 822-8536 or Email to cccsnc@cccsnojuggle.org.
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