These forms are only required if you are unable to use the electronic registration and need to pay by Money Order.

 

Forms


If you do not want to complete the registration on-line you can use the forms below You are required to print and complete:

 

Income Certification
Disclosures
Affidavit for Bankruptcy Education

 

Income Certification

The Income Certification includes the fee schedule. Please select the correct fee based on your income then sign and date.

 

Disclosures

Please print out this form for your information

 

Affidavit for Bankruptcy Education

Please complete the Affidavit for Bankruptcy Education, be sure to incude your Attorney information and your Bankruptcy Case Number. (The certificates cannot be issued without the case number). This form has to be signed by your attorney or must be notorized. In addition, A copy of your state or government issued picture ID must accompany this form.

 

Mail (or Fax) the forms to CC&BC:

 

1. Income Certification

2. Affidavit (with a copy of ID)

3. Fee (If paying by Money Order it must be mailed)

 

Address:

CCBC - POSTBANKRUPTCY
Post Office Box 866
Marmora, NJ 08223-0866

Fax

1-888-738-8234

Debtors Education
Needs Based Fee Schedule
Fees are Waived or Reduced Based on Hardship or Ability to Pay:
At or Below Poverty Level: No Fees Charged
Low Income: (see below) $ 25.00 Per Individual
$ 25.00 Couple filing Jointly
Persons with Disabilities, Retired and relying on Social Security $ 25.00 Per Individual
$ 25.00 Couple filing Jointly
All Others $ 25.00 Per Individual
$ 50.00 Couple filing Jointly

 

Poverty and Low Income Levels
Size of Family
2009 Poverty Level *
Low Income Level (185%)
1
$ 10,830
$ 20,036
2
$ 14,570
$ 26,955
3
$ 18,310
$ 33,874
4
$ 22,050
$ 40,794
5
$ 25,790
$ 47,712
6
$ 29,530
$ 54,631
7
$ 33,240
$ 61,494
8
$ 37,010
$ 68,469
Each addnl
$ 3,740
$ 6,919

 

* The income levels were developed using the poverty guidelines published by the Department of Health and Human Services.

Debtor Education:

Personal Financial Management Instructional Course Disclosure


Consumer Credit and Budget Counseling has over 8 years of experience educating consumers and clients about money and credit.    This agency is accredited by Council on Accreditation, an independent third-party organization that reviews and monitors entities that provide social services.  We are a non-profit agency.  We are organized and operate in accordance with Section 501(c) (3) of the Internal Revenue Code. We do not pay or receive fees or other considerations for referrals of debtor students to our agency.

 

You have the option of taking Money in Motion, our bankruptcy and community education program, in a classroom setting or online.  A certified consumer credit counselor will be conducting or supervising the Money in Motion classes.   Our instructors have completed the certification program offered by the Association for Financial Counseling and Planning Education.  

 

For online students, please email any questions you have regarding Money in Motion to Help@PostBankruptcy.org.  You will receive a response to your questions within 24 business hours.

 

We will ask you to voluntarily fill out basic demographic information.  We will not disclose any such information that you provide orally or in writing to anyone, except as authorized by you in writing or as required by law.  We may compile data in aggregate form; however, your information will not be disclosed in any manner that would personally identify you.

 

Consumer Credit and Budget Counseling does not pay or receive fees or other consideration for the referral of debtor students to or by the provider.

 

To help cover the cost of providing this program to you, this agency charges a fee of $ 50.00. However, you may be eligible to have this fee reduced or waived (see Needs Based Debtor’s Education Fee Schedule).

 

We will not deny service due to an inability to pay.

 

At the conclusion of Money in Motion, you will be provided with a certificate that you will need to discharge your bankruptcy.  You will need to provide us with your bankruptcy case number for this certificate.

 

If you are dissatisfied with the service provided by our agency you can utilize the Compliant Resolution Process.  You agree to hold Consumer Credit and Budget Counseling, its employees, and volunteers harmless from any claim, suit, and action resulting from this service.  Nothing herein shall apply to actions or claims under the provisions of the United State Bankruptcy code, 11 U.S.C. Sec. 101 et seq.