PreBankruptcy and PostBankruptcy Counseling and Education.

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

Dear Stakeholders,

On Friday May 23, 2014, Consumer Credit and Budget Counseling, Inc., d/b/a National Foundation for Debt Management (CCBC) will discontinue offering Bankruptcy Counseling and Education.

CCBC has been approved to offer Bankruptcy Education and Counseling since the counseling was required beginning October 17, 2005. For the past 9 years we have offered a superior, premium service to our clients but the current environment of low cost overseas internet providers has forced us to examine our ability to efficiently deliver the service. We have determined that we can no longer afford to subsidize this counseling at a cost to the rest of our client base.

We thank our current stakeholders and wish them the best going forward and ask that they begin to refer clients to Start Fresh Today a well-respected and highly competent agency.


Russell Graves,
Executive Director