Advantage CCS is Proud to Offer a Telephone Bankruptcy Education Class for Consumers in Need of a Pre-Discharge Bankruptcy Certificate

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Consumers that need to take a pre-discharge bankruptcy education class to fulfill a requirement of the Federal Bankruptcy Law, can now do so through a telephone class offered by Advantage Consumer Credit Counseling Service, Inc. in all 50 states; excluding Alabama, North Carolina and Oregon.

Advantage CCS is excited to announce a new telephone service that will complete a requirement of the Federal Bankruptcy Law pertaining to consumers who must finish a pre-discharge bankruptcy education course and receive a certificate of completion. Advantage Consumer Credit Counseling Service, Inc. is approved by the Executive Office of the United States Trustee (EOUST) to provide the required class and issue the certificate which will meet the pre-discharge debtor education obligations set forth in the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA).

This new service is very important to consumers because it is a mandatory requirement and a basic condition that must be met pursuant to Federal Bankruptcy Law Section 11 U.S.C. § 727(a)(11). This law stipulates that consumers must receive credit counseling and bankruptcy education from an approved nonprofit credit counseling agency in order to discharge the bankruptcy case. The legislation covers both Chapter 7 and Chapter 13 bankruptcies. If a Chapter 7 or a Chapter 13 debtor does not complete the course, it constitutes grounds for denial of the discharge.

Advantage CCS is able to offer the telephone bankruptcy education classes to the following states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

“The Agency is really excited to announce this new telephone bankruptcy education class,” said ACCS President and CEO Stephen Piotrowski. “This service will go a long way towards helping consumers finish the requirements that must be met in order to discharge the bankruptcy. We look forward to servicing many more consumers with their bankruptcy education,” Piotrowski said.

Advantage CCS has completed over 5,600 bankruptcy counseling sessions in 2011. According to the National Foundation for Credit Counseling (NFCC), “the criteria set forth by EOUST reflects a very strong commitment…to ensure that the counseling and education provisions are substantive in nature and of the highest quality.” Advantage CCS is accredited through EOUST, the NFCC and the Council on Accreditation (COA) to offer such high quality services to consumers.

About Advantage Credit Counseling Service, Inc. –

Advantage CCS has been educating and counseling consumers about budgeting, money management and the responsible use of credit since 1968. ACCS's services help to financially empower individuals, bettering their lives; increasing family stability; improving workplace performance; and ultimately benefiting the entire community. The Agency offers educational classes, expert credit counseling, housing counseling, a debt management program, bankruptcy pre-filing courses and bankruptcy pre-discharge education classes. For more information on additional services, class schedules, and educational materials please visit or call toll-free (866) 699-2227.

Advantage CCS is accredited by the Council on Accreditation (COA) and are members of the Better Business Bureau (BBB). The Agency has been designated a certified comprehensive housing counseling agency by the U.S. Department of Housing and Urban Development (HUD). Advantage CCS is also a proud member of the National Foundation for Credit Counseling (NFCC).

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Lauralynn Schueckler

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