DEBTOR EDUCATION DISCLOSURES (per 28 C.F.R. § 58.33(k))
1.Fee Policy:
The fee for Pre-discharge Debtor Education is
online. No additional fees are charged for the certificate.
2.Fee Waiver/Reduction Policy:
Clients who are experiencing a financial hardship may qualify for a fee waiver or reduction. Clients with household income less than 150% of the U.S. Department of Health and Human Services poverty guidelines may qualify for a full fee waiver. All others may qualify for a reduced fee based on income verification. Clients must submit a recent income statement or tax return and include household size, course selection, and identification number to
bkfeedback@credit.org
3.Language Access:
Credit.org
provides free services in English and Spanish. Interpreter assistance for other languages is available upon request at no additional charge.
4.Instructor Qualifications:
All counselors have an average of more than five years of experience in counseling, education, lending, or a credit-related field and are certified by the National Foundation for Credit Counseling.
5.Referral Fee Policy:
Credit.org
does not pay or receive referral fees for debtor education services.
6.Certificate Issuance:
Certificates are issued within one (1) business day of completing the course.
7.Information Sharing with EOUST and Bankruptcy Administrator:
Credit.org
may disclose debtor information to the U.S. Trustee or Bankruptcy Administrator during oversight activities, complaint investigations, or on-site reviews.
8.Scope of EOUST and Bankruptcy Administrator Review:
The U.S. Trustee or Bankruptcy Administrator has reviewed only the debtor education course. Other services provided by
Credit.org
have not been reviewed or approved.
9.Certificate Conditions:
A certificate will only be issued upon full completion of the instructional course. Internet Debtor Education is available 24/7 at
https://bklogin.credit.org/
Consent and Privacy Policy
By clicking "I (We) Agree," you consent to Credit.org’s Terms of Service and Privacy Policy and agree to be contacted via phone, SMS, MMS, or email, even if listed on a Do Not Call list. Consent is not required for service. Standard message/data rates may apply.
Credit.org
maintains the confidentiality of all nonpublic personal information unless disclosure is authorized or required by law. Information may be shared with the U.S. Trustee or Bankruptcy Administrator for compliance and oversight purposes. The U.S. Trustee or Bankruptcy Administrator has reviewed only Credit.org’s credit counseling and personal financial management instructional course. They have not reviewed or approved any other services the agency provides.
