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Bankruptcy Counseling


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Bankruptcy Counseling & Education Services


FSA/CCCS has been approved by the Executive Office of the United States Trustee (EOUST) to provide Pre-filing Bankruptcy Counseling and Pre-discharge Bankruptcy Education.**


Pre-Filing Bankruptcy Counseling

FSA/CCCS is an approved provider of pre-filing bankruptcy counseling for residents of Minnesota or Wisconsin only. This counseling is required within 180 days before filing for bankruptcy protection. The counseling can be done in person or by telephone. If you are married and both filing, you must both complete the counseling.

Pre-Discharge Bankruptcy Education

FSA/CCCS is an approved provider of pre-discharge bankruptcy education for Wisconsin and Minnesota. This education class is required after filing for bankruptcy protection and before a bankruptcy case is discharged. If you are married and both filing, you must both complete the education.


Bankruptcy Counseling and Education (inclusive of all materials and certificate)

  • Bankruptcy counseling (In Person or Telephone) $50.00

  • Bankruptcy education (in person or by telephone) $50.00


Certificates will be issued within the guidelines Executive Office of US Trustee

*Counseling and Educational programs are provided without regard to the client's ability to pay. Fees may be waived if:

  1. the individual is filing bankruptcy pro se

  2. the attorney is doing the individuals bankruptcy pro bono

  3. the individual is incarcerated

  4. the individual is receiving public assistance

  5. if the individual doesn't have any income or can prove inability to pay

  6. any other hardship with executive director approval


Regarding Bankruptcy Counseling and Bankruptcy Instruction:

  • All of our credit counselors and educators are certified by the National Foundation for Credit Counseling.

  • The agency does not pay or receive any fees or other consideration for the referral of debtor student or clients to or by Family Service Association of Sheboygan.


*In all cases, documentation MUST be provided verifying the criteria in order for the fee to be waived


**The Executive Office of the U.S. Trustee has approved FSA/CCCS to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services.