Terms and Conditions  |  Tuition Waiver  |  Privacy Policy

Terms and Conditions Inc. (hereinafter is an independent, Florida State non-profit corporation whose mission is to provide quality financial education. ** is approved to provide credit counseling certificates that are required to file a bankruptcy case. If you are using to get a certificate for the purpose of filing a bankruptcy case, please read the following information.

The United States Trustee has reviewed the Agency's credit counseling session. The US Trustee has also reviewed and approved the agency’s debtor education course. The United States Trustee has neither reviewed nor approved any other services the Agency provides to debtors. Approval does not endorse or assure the quality of the Agency’s services. Nothing herein shall apply to actions or claims under the provisions of the United States Bankruptcy Code, 11 U.S.C. Sec 101.

This agency does not provide an opportunity to negotiate an alternative payment schedule with regard to each unsecured consumer debt under the terms as set forth in 11 U.S.C. 502(k). This agency does not refer clients to other agencies which may charge additional fees.

Attorney accounts are established for your convenience and if your attorney has a payment arrangement with us we may invoice that attorney for your course fee. does not participate in discount agreements or contracts with attorneys. If your attorney has an account with, your attorney will be invoiced the same amount you would pay as a client without an attorney. All publicly disclosed fees are applicable to all clients.

The Agency does not pay or receive fees or other considerations for referrals.


Counselors have agreed to maintain Professional Counseling Standards established by Fincert.Org (Center for Financial Certifications) or CC-CI (Credit Counselor Certification Inc.) and in doing so have earned recognition as Certified Personal Finance Counselors or Certified Credit Counselors.

Your Credit Report does not report any information to any credit reporting agency or bureau; therefore, the use of’s course and program will have no impact on your credit report. During the course of a credit counseling session does provide clients information about alternatives based upon an individual's financial situation. Some of these alternatives, which are services not provided by, specifically debt management plans and the filing of bankruptcy, will affect your credit report.

Funding Received From Course Only's source of funding is the fees it receives for Credit Counseling certifications and Financial Education certifications needed for the purpose of Bankruptcy cases. does not take or receive funding from any creditor or lender.

Fee Policy--Cost of Credit Counseling Certification

The cost of's credit counseling certification is $14.95 per individual and $14.95 per couple.

Any discount given for is for the client's benefit only. No additional fees are charged.

Tuition Waiver Information & Procedures

Services will be provided without regard to the client's ability to pay. will waive the full credit counseling fees for clients whose household income is less than 150% of the estimated poverty guidelines for their applicable family size as published by the Department of Health and Human Services, found at this link: If a client is receiving legal services pro-bono, if their sole source of income is disability and/or they can show hardship, will also waive the full credit counseling fees.

Proof of Income, submit one of the following:

  1. Copy of last year's federal tax return along with federal schedule E that accurately reflects current income (can be Federal or state).
  2. Wages and tax statement (W-2 and/ or 1099, including 1099 MISC, 1099G, 1099R, 1099SSA, 1099DIV, 1099SS, 1099INT)
  3. Pay stub
  4. Self-employment ledger documentation
  5. Social Security Benefits Letter
  6. Unemployment Benefits Letter

E-mail your full waiver request with proof of income to:

You may also mail your request to:
Attn: Fee Waiver Department
PO Box 7262
Lakeland, FL 33807

Certificate Delivery

Certificates will only be issued to clients who have completed the entire online course and the final counseling session.

It is the sole responsibility of the client to ensure proper filing with the court. Additionally, is not responsible to ensure certificate is delivered to the client's attorney. The client IS solely responsible for ensuring that the client and/or their attorney receive the certificate of completion in a timely manner. is obligated to provide your certificate promptly upon completion of credit counseling services. Please carefully note the following qualifications: Certificates will be issued upon completion of all requirements of the online course and an interactive counseling session with a certified credit counselor by email or phone at the end of your course. Certificates will be issued within one hour of the completion of the email or phone counseling during normal business hours. After hours delivery will be by the first two hours of the next business day.

Certificate Expiration

Your credit counseling certification will have the date and time that you completed the emailed counseling stamped on it. Your certificate will be valid for the purpose of filing for a bankruptcy case for up to 180 days from the date and time stated on your completion certificate.

Hours of Operation

Course materials are provided through the Internet via an interactive learning module. The course can be accessed 7 days a week and 365 days a year. However, site support is limited to certain hours of operation.

Bilingual Customers does not provide bilingual instruction with regards to the online course, nor do we offer customer service or professional interpreter assistance to any limited English proficient debtor.

Privacy Policy

Information collected by is treated as strictly confidential, no personally identifiable information will be released to any unauthorized individual, company, creditor, collection agent, credit reporting agency or other non-governmental entity. reserves the right to collect non-individualized information regarding the use of its website course and programs. further reserves the right to record telephone calls for process improvement, employee training and for accreditation purposes. promises not to sell, rent, loan, lease or trade a consumer's contact information or email address. will limit the mandatory collection of consumer information to the minimum required to provide the credit counseling program, which includes performing assessments of consumers' financial situations, determining the factors which led to consumers' financial problems, assistance in preparing a budget, providing budgeting tips, performing a complete debt analysis and informing clients of the various alternatives to their financial situation without incurring a negative amortization of debt. might disclose client information to the United States Trustee in connection with the United States Trustee’s oversight of the agency, or during the investigation of complaints, during on-site visits, or during quality-of-service reviews [Section 6; 28 C.F.R. § 58.33(k)(7)].

All employees are required to sign and abide by an agreement whereby they are required to keep all sensitive client information confidential. We will permit only authorized individuals, who are trained in the proper handling of client information to have access to that information. Employees who violate our Privacy Policy will be subject to disciplinary procedures.

No Contract

Consumers/Clients of the are in no way entering into a financial contract with and are not to make any contractual payments to

Requires credit card/upfront payment. Business hours are Mon-Th 10AM-6PM EST, Fri 10AM-4PM EST. Course is designed to take one hour as required by the US Trustee., Inc. is approved to issue certificates evidencing completion of a credit counseling course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider’s services.