There are 5 consumer credit counseling agencies approved by the United States Trustee Program  to perform credit counseling in California CCC has offices in most larger California cities...

Consumer Credit Counselors of Kern County 5300 Lennox Avenue, Suite 200 Bakersfield, CA 93309 800-272-2482 www.californiacccs.org

Springboard Nonprofit Consumer Credit Management Inc. 4351 Latham Street Riverside, CA 92501 800-947-3752 www.credit.org

Read the United States Bankruptcy Code