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About FISC FISC-CCCS is a program of Goodwill NCW
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Bankruptcy Counseling and Education I am afraid my bills are too much for me to pay and I might need to file bankruptcy. What should I do? Meet with one of our counselors to understand your options. The new bankruptcy rules require you to see a financial counselor and obtain a Pre-filing Bankruptcy certificate from a qualified counselor prior to filing for bankruptcy. If you come in for counseling you may find you have other options, beside bankruptcy. FISC Consumer Credit Counseling of northeastern Wisconsin is approved by the Executive Office of the United States Bankruptcy Trustee or EOUST as one of the agencies to provide Pre-bankruptcy counseling. Approval by EOUST does not endorse or assure the quality of a provider’s services. I’ve heard that with the new bankruptcy laws bankruptcy is no longer an option for me. Most people still qualify for bankruptcy. There are new income requirements for a chapter 7 bankruptcy (full discharge) and credit counseling is now required. But most people needing a bankruptcy can still get it. How to Sign Up for the Credit Counseling. To see a counselor for credit counseling you will need to fill out our Infopac first. This helps you to gather all your financial information in one place. Once the infopac is completed andreturned to us you can set up an appointment with a counselor. The counselor will prepare your file ahead of time and then meet with you for about 1 ½ hours to go over your situation and options. |
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FISC has offices throughout northeastern Wisconsin. Call 920-886-1000 or 800-366-8161 for locations and appointment options. What to Expect from Your Credit Counseling Session Your credit counseling session will be like any other counseling appointment. You can expect the same level of care and professionalism. We are not here to judge you. You will receive helpful tips and advice for managing your financial life. Your session will include an overview of bankruptcy and a personalized budget analysis. People who complete these sessions will receive a certificate of completion. If you file for bankruptcy, your attorney will need this certificate. Credit Counseling Fees Fees for the
pre-filing credit counseling are $50 per person or $100 per couple,
payable in advance by cash or money order. Pre-Discharge Education Course Before getting a discharge from bankruptcy, filers must complete a course in personal financial management from a provider that has been approved by The Executive Office for U.S. Trustees (EOUST). FISC has been approved by EOUST to provide this personal financial management course. Approval EOUST by does not endorse or assure the quality of a provider’s services. How to Sign Up for the Education Course Call FISC at 920-886-1000 or 800-366-8161 for course locations and times. What Your Pre-Discharge Personal Financial Management Course will Cover Course topics include rebuilding finances after bankruptcy, developing and following a budget, understanding and using credit, predatory lending and identity theft. The course is about 2 hours long. Many people enjoy this workshop and say it is very helpful. Financial Management Course Fees Fees for the
Personal Financial Management Course are $25 per person or $50 per
couple, payable in advance by cash or money order. Course Procedures Students will be asked to provide proof of their identification, to sign in, and to complete a course evaluation. We will need your bankruptcy case number to complete your certificate. People who complete the course will receive a certificate of completion that their attorney will need. Forms for Bankruptcy Counseling If you have questions, please call us at 920-886-1000 or 800-366-8161. You will need Adobe Acrobat Reader to view and print
these pages. Tips to Help Complete the Worksheets The information you
enter on the
Infopac will help us build an accurate picture of your
financial situation. Entering accurate and complete information on these
worksheets will provide your counselor with information regarding your
financial concerns and goals, your household expenses, needs and wants, and
your spending history. Filling out the forms as completely and accurately as
possible will help us to help you.
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