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0 BK CLASS INC
GILBERT, AZ · EIN 272284939 · Form 990EZ · FY2022 · NTEE P51 · Human Services · Micro (<$100K) · www.myonlinebankruptcyclass.com
revenue
$92K
expenses
$96K
net assets
$184K
employees
—
mission · from form 990

FINANCIAL COUNSELING THRU EDUCATION

profile · synthesized from sources

0 BK CLASS INC is a nonprofit provider of court-mandated bankruptcy education courses, offering both pre-filing credit counseling and pre-discharge debtor education online. The organization serves individuals and couples filing for bankruptcy across all U.S. states, delivering standardized courses that meet federal requirements. Courses are self-paced, available in English, and result in a certificate of completion emailed within one business day after finishing all requirements.

named programs · 2 · from sources

what they call their work

Pre-Discharge Debtor Education Class
Two-hour online financial management course with chapter quizzes, final exam, and counselor review if needed. Required before discharge in bankruptcy, with certificate issued upon completion.
Pre-Filing Credit Counseling Class
Online course taking approximately 90 minutes, including financial analysis and mandatory secured messaging with a credit counselor. Required for bankruptcy filing, with certificate issued within one business day of completion.
activities · 3 groups

what they do

  • Bankruptcy Counseling and Education Services 11 activities
    • Certificate Issuance
      Issues certificates of completion via email within one business day after the entire instruction, including online portions and online messaging with a credit counselor, has been completed.
    • Fee Waiver Program for Low-Income Filers
      Offers fee waivers for pre-filing and pre-discharge courses to bankruptcy filers who are below 150% of the HHS Poverty Guidelines.
    • Fee Waivers for Bankruptcy Courses
      Offers fee waivers for course fees to bankruptcy filers whose income is below 150% of the HHS Poverty Guidelines, ensuring access to required credit counseling and debtor education.
    • Pre-Discharge Debtor Education
      Provides online pre-discharge debtor education classes, approved by the US Trustee, for personal financial management to individuals filing for bankruptcy nationwide in all U.S. states. The organization issues certificates of completion in compliance with the Bankruptcy Code.
    • Pre-Discharge Debtor Education
      Provides online pre-discharge debtor education classes approved by the US Trustee for bankruptcy filers nationwide in all U.S. states. The organization issues certificates of completion for personal financial management instructional courses in compliance with the Bankruptcy Code.
    • Pre-Discharge Debtor Education for Bankruptcy Filers
      Offers online pre-discharge debtor education classes (personal financial management instructional courses) approved by the U.S. Trustee, available in all U.S. states, with certificates of completion issued via email within one business day after course completion. Services are offered in English and Spanish, and non-English speakers are referred to approved providers at no cost.
    • Pre-Discharge Debtor Education for Bankruptcy Filers
      Offers online pre-discharge debtor education classes approved by the U.S. Trustee, compliant with the Bankruptcy Code, in all U.S. states. Issues certificates of completion via email within one business day after course completion.
    • Pre-Filing Credit Counseling
      Provides online pre-filing credit counseling classes approved by the US Trustee for bankruptcy filers nationwide in all U.S. states. The organization issues certificates of completion in compliance with the Bankruptcy Code.
    • Pre-Filing Credit Counseling
      Provides online pre-filing credit counseling classes, approved by the US Trustee, to individuals filing for bankruptcy nationwide in all U.S. states. The organization issues certificates of completion in compliance with the Bankruptcy Code.
    • Pre-Filing Credit Counseling for Bankruptcy Filers
      Provides online pre-filing credit counseling classes approved by the U.S. Trustee, compliant with the Bankruptcy Code, in all U.S. states. Issues certificates of completion via email within one business day after course completion.
    • Pre-Filing Credit Counseling for Bankruptcy Filers
      Provides online pre-filing credit counseling classes approved by the U.S. Trustee, available in all U.S. states, with certificates of completion issued via email within one business day after course completion. Services are offered in English and Spanish, and fee waivers are available for individuals below 150% of the HHS Poverty Guidelines.
  • Translation and Bilingual Support Services 1 activity
    • Language Access Services
      Provides services in English and Spanish; refers individuals needing other languages to approved providers offering no-cost courses in their preferred language.
  • Uncategorized 2 activities
    • Fee Waivers and Language Services
      Offers fee waivers for course fees to filers who are below 150% of the HHS Poverty Guidelines. Services are provided in English and Spanish, and referrals are made for other languages.
    • Multilingual Support and Referrals
      Provides services in English and Spanish and refers debtors requiring services in other languages to approved providers offering courses at no cost.
financials · form 990EZ · fy2022
revenue
Total revenue$92K
Contributions & grants——
Program service revenue$92K100%
Investment income——
Other revenue—
expenses
Total expenses$96K
Program expenses—
Admin / overhead—
Fundraising—
Salaries & benefits$8K
Grants paid out—
balance sheet
Total assets$184K
Cash—
Investments—
Liabilities—
Net assets$184K
1 years on record · 2022–2022
leadership · form 990 part vii · fy2022

who runs it

paid leadership · 1
NameTitleHours/wkCompensation
LAURA KERBY PRESIDENT 40 $75K
board members · 3
  • ERIK GAGON — DIRECTOR
  • JUSTIN TURLEY — DIRECTOR
  • KERI MCWORTER — DIRECTOR
relationships · 10

who they work with

  • Association of Financial Counseling Planning Education (AFCPE) Partner — Member organization that supports goals as educators and counselors, and helps stay informed of industry changes.
  • Authorize.Net Partner — Verified merchant for payment processing with high encryption.
  • Better Business Bureau Partner — Holds an "A" Accreditation, indicating commitment to high ethical and business standards.
  • Executive Office of the US Trustee (EOUST) Government — Approved provider to offer courses in 48 states.
  • U.S. Bankruptcy Code Government — Approved provider of courses compliant with the Bankruptcy Code.
  • US Trustee Government — Approved by the US Trustee to issue certificates for credit counseling and personal financial management courses in compliance with the Bankruptcy Code.
  • United States Trustee Government — Both the Online Credit Counseling Class and the Online Debtor Education Class have been approved by the United States Trustee.
  • United States Trustee Government — Discloses debtor information to the United States Trustee for oversight, investigation of complaints, on-site visits, or quality of service reviews.
  • United States Trustee Government — Discloses debtor information to the United States Trustee in connection with oversight, complaint investigation, on-site visits, or quality of service reviews.
  • United States Trustee Government — The United States Trustee has reviewed the Debtor Education instructional course and the credit-counseling course.