New Client Letter

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Dear Client,

Welcome! We understand that you are here because you are experiencing financial problems, and that you may be considering filing for bankruptcy and are required to receive “counseling” before you may file. In order to evaluate your unique financial situation, you may need to provide the following items to our agency.

1. Verification of Income (salary check stubs for you, your spouse, or other income that you may have such as disability, pensions, unemployment, etc.).
2. All current creditor billing statements, no matter how small.
3. All papers pertaining to lawsuits, judgments, foreclosure, repossessions, or other legal action.
4. Any payment coupon books or statements of the accounts.
5. We will need all current creditor information: NAME, ACCOUNT NUMBER, PAYMENT ADDRESS, PRESENT BALANCE DUE AND PRESENT MONTHLY PAYMENT.
6. List of monthly living expenses.

We are a non-profit organization. All information is kept confidential.

CCCS of Middle Georgia, Inc. offers budget, credit, debt management and pre-bankruptcy counseling services to Georgia residents only. To help cover the cost of providing the pre-bankruptcy counseling service to you, our agency charges a fee of $50 to reimburse the administrative and counseling costs. For a married couple, joint counseling sessions can be offered, and two certificates will be issued, for $75. In limited circumstances, you may be eligible to have this fee waived. You may be referred to other CCCS services or another agency or agencies as appropriate; however, you have the right to use or reject the referrals offered.