, Your Source for Credit and Budget Counseling and Education

Under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 individual debtors who file bankruptcy on or after October 17, 2005, must undergo credit counseling within six months before they file bankruptcy.

Consumer Credit and Budget Counseling is approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s services

Pre-Bankruptcy Counseling Session

The counseling session will begin with an online program that will provide information on credit, debt and the choices that are available when someone experiences financial difficulty.

After the online presentation, call CC&BC to talk with a Certified Counselor who will work with you to analyze your budget.  This budget would then be compared to an normalized budget to help identify expenses that may be higher than expected.

 The cause(s) of your current financial situation will then be discussed, with attention to your ability to modify the behavior that led (or contributed) to your current situation.

 Your Counselor will then analyze your debt situation and review the choices that are available to you.  As part of your analysis your counselor may also develop a Debt Management Program that will show what CC&BC can do to help you get out of debt through a structured debt repayment program.  There is NO obligation to receive a Debt Analysis or join a Debt Management Program.



The right to file bankruptcy is an important tool which society provides for those with significant debt problems. It is often stated that bankruptcy should be considered as a “last resort” for financially troubled consumers.  Bankruptcy should be neither the first option nor the last resort.  Each case must be examined on its own merits.

Although bankruptcy is not a magical cure, it is an important alternative for a range of financial problems.  Bankruptcy may provide immediate protection, particularly for individuals facing foreclosure or repossession of property.  Even those who are not in short term danger of repossession or foreclosure may often decide upon bankruptcy simply for the relief of having debts erased in order to get a fresh financial start.

Begin the process Here.

Begin the process Here.


Important Notice: The information contained in this web site and in any part of your Pre-Petition Credit Counseling is NOT legal advice, nor is it intended to replace the advice of a legal practitioner.

Approved Districts:


•Alaska •Arizona (E&W) •Arkansas •California (C,E,N&S) •Connecticut •Florida (N,M& S) •Georgia (N,M&S)•Hawaii •Idaho •Illinois (C,N&S)•Indiana (N&S) •Iowa (N&S)•Kansas •Kentucky (E&W) •Louisiana (E,M&W)•Maine •Maryland •Massachusetts •Minnesota •Mississippi (N&S)•Missouri (E&W) •Montana •Nevada •New Hampshire •New Jersey •New Mexico •New York (E,N,S&W) • North Dakota •Ohio (N&S) •Oklahoma (E,N&W)•Oregon •Pennsylvania (E,M&W)•South Carolina •South Dakota •Tennessee (E,M&W)•Texas (E,S,N&W)•Utah •Vermont •Virginia (E&W) •Washington (E&W)•West Virginia (N&S) •Wisconsin (E&W)•Wyoming

Consumer Credit and Budget Counseling

Looking for the Second Certificate?
After you file for Bankruptcy you will be required to receive a Debtor's Education Course. To get your education go to:

Consumer Credit and Budget Counseling
299 South Shore Road
Marmora, New Jersey 08223
P: 609-390-9652
or 888-738-8233
F: 609-390-9653
or 888-738-8234