Bankruptcy Counseling

Ready to Get Started?For applications, materials and appointment scheduling, call us at 532-3225 on Oahu or at 1(800) 801-5999 on Neighbor Islands . Or you can email us at info@cccsofhawaii.org.

We are the only agency in Hawaii currently approved to provide face-to-face and telephone pre-bankruptcy counseling.

If you are considering bankruptcy, the law requires that, prior to filing, you must receive counseling from a Department of Justice approved non-profit credit counseling agency. Approval to issue certificates in compliance with the Bankruptcy Code does not endorse or assure the quality of an Agency's services.

After your counseling, we will issue you a certificate, valid for 180 days after it is issued, that must be filed with your bankruptcy petition. We charge a nominal fee for this counseling from those who can afford it. Please contact one of our offices by phone or email.

Our services are available for free- based on your ability to pay.

Our Mission is to:
  1. Provide confidential debt management and credit counseling to families and individuals of Hawaii.
  2. Educate individuals and the community at large about the intelligent and responsible use of credit.
  3. Help over-burdened families regain control of their financial lives.
  4. Promote financial and social responsibility.