Family Service Center of South Carolina

Bankruptcy Education

Filing for bankruptcy is a serious decision with severe consequences. FSC helps consumers understand both the benefits and challenges of declaring bankruptcy.

For those about to emerge from bankruptcy, FSC can help consumers make the most of this fresh start by teaching you how to use credit wisely and keep your finances in order moving forward.

Any individual who plans to file for bankruptcy is required to complete a pre-filing counseling session given by a credit counseling agency approved by the U.S. Department of Justice. Additionally, potential filers are required to take part in an approved follow-up personal financial education course before his/her debts can be discharged. FSC is approved by the United States Trustees to issue certificates for Pre-filing Credit Counseling and Pre-discharge Education in compliance with the Bankruptcy Code.

Pre-Bankruptcy Financial Education

Budget & Credit Education includes:

An overview of budgeting, saving and goal setting
An overview of personal bankruptcy eligibility
An overview of the consequences of bankruptcy
An overview of the alternatives to bankruptcy
A course book, money management tools, handouts and brochures

Family Service Center offers face to face, telephone and internet counseling. There is a $45 per person and $50 joint couple fee for Pre-Bankruptcy counseling. This fee can be paid in cash or by money order. The fee charged for internet counseling is $30. Fees are payable at time of counseling. **This fee is subject to change per individuals’ specific situations.

GET STARTED NOW BY CHOOSING THE BUDGET AND CREDIT COUNSELING PROGRAM THAT WORKS FOR YOU. Click here to get started.

View Schedule of Classes

Post Bankruptcy Financial Education

Personal Financial Management includes:

An overview of the steps to rebuild after bankruptcy
An overview of how to decide between wants and needs
An overview of budgeting, saving and goal setting
An overview of credit reports, credit scores and rebuilding your credit
An overview of consumer laws, predatory lending, identity theft and insurance
A course book, money management tools, handouts and brochures

Family Service Center offers face to face and internet counseling. There is a $50 per person ($100 couple) fee for Post-Bankruptcy counseling. This fee can be paid in cash or by money order. The fee charged for internet counseling is $49 per person. Fees are payable at time of counseling. **This fee is subject to change per individuals’ specific situations.

GET STARTED NOW BY CHOOSING THE PERSONAL FINANCIAL MANAGEMENT PROGRAM THAT WORKS FOR YOU. Click here to get started.

View Schedule of Classes

2712 Middleburg Drive | Suite 207-A | Columbia, SC 29204 | 1-800-922-5651 | 803-733-5450