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About FISC FISC-CCCS is a program of Goodwill NCW
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Bankruptcy I am afraid my bills are too much for me to pay and I might need to file bankruptcy. What should I do? Call and get the infopac, fill it out and come in and meet with a counselor. The new bankruptcy rules require you to see a financial counselor first and obtain a Pre-filing Bankruptcy certificate from a qualified counselor prior to filing for bankruptcy. And it’s possible if you come in for counseling you may find you do have other options. 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. This is not true. 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 those 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 and |
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returned 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. 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. This counseling is offered without regard to a debtor's ability to pay. 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 EOUST. FISC has been approved by EOUST to provide this personal financial management course. Approval by EOUST 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. 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. This counseling is offered without regard to a debtor's ability to pay. 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.
Telephone Counseling
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