Financial Services

Bankruptcy Counseling

If you plan to file for bankruptcy protection, you must get credit counseling from a government-approved organization within 180 days before you file. You also have to complete a debtor education course before your debts can be discharged. Pre-bankruptcy credit counseling and pre-discharge debtor education may not be provided at the same time. Credit counseling must take place before you file for bankruptcy; debtor education must take place after you file. You must file a certificate of credit counseling completion when you file for bankruptcy and evidence of completion of debtor education after you file for bankruptcy — but before your debts are discharged. The Department of Justice’s U.S. Trustee Program approves organizations to provide the credit counseling and debtor education required for anyone filing for personal bankruptcy. HCCI is approved by the U.S. Trustee Program and may issue these certificates in the states of Kansas and Missouri.
Bankruptcy Credit Counseling (Pre-Filing)
Debtor Education-Life After Bankruptcy (Pre-Discharge)
Internet Pre-Discharge Debtor Education

Student Loan Repayment Counseling

Student Loan Repayment Counseling work includes options for persons to rehabilitate or refinance a loan. Once a loan(s) is rehabilitated, counseling includes options for deferment, forbearance, and/or loan forgiveness when that option is a possibility.

Housing and Credit Counseling, Inc. helps student loan borrowers stay or get out of default and successfully repay their student loans. In addition to the resources below, contact HCCI for Student Loan Repayment counseling.

For more information, choose one of the links below:

Student Loan Repayment Options

Options for Student Loan Default

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