activities · 12
what they do
direct service · 12
- Certificate Issuance Bankruptcy Counseling & EducationIssues 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 Bankruptcy Counseling & EducationOffers fee waivers for pre-filing and pre-discharge courses to bankruptcy filers who are below 150% of the HHS Poverty Guidelines.
- Fee Waivers and Language Services Language Interpretation and Translation ServicesOffers 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.
- Fee Waivers for Bankruptcy Courses Bankruptcy Counseling & EducationOffers 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.
- Language Access Services Language Interpretation and Translation ServicesProvides services in English and Spanish; refers individuals needing other languages to approved providers offering no-cost courses in their preferred language.
- Multilingual Support and Referrals Language Interpretation and Translation ServicesProvides services in English and Spanish and refers debtors requiring services in other languages to approved providers offering courses at no cost.
- Pre-Discharge Debtor Education Bankruptcy Counseling & EducationProvides 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 Bankruptcy Counseling & EducationProvides 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 for Bankruptcy Filers Bankruptcy Counseling & EducationOffers 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 Bankruptcy Counseling & EducationProvides 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 Bankruptcy Counseling & EducationProvides 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 for Bankruptcy Filers Bankruptcy Counseling & EducationProvides 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.
strategies · 15
how they think
Theories of action extracted from this org's own source material. Click any to see the full field of orgs running the same approach.
- Accessible Online Financial Education accessible_online_financial_educationThe organization provides online, interactive financial education courses that are designed to be easily understandable using relatable, real-life examples, allowing users to learn at their own pace and convenience.
- Accessible and relatable financial education design accessible_financial_educationCourses are designed to be easily understandable using real-life examples and plain language, improving comprehension and engagement for diverse learners.
- Accessible financial education using real-life examples accessible_financial_educationCourse content is designed to be easily understandable by using relatable, real-life financial scenarios, improving comprehension and engagement for diverse learners.
- Blended Online Learning with Counselor Interaction modular_online_learning_with_counselor_interactionThe organization utilizes a modular online learning format for its courses, which is complemented by mandatory interaction with a credit counselor via secured messaging or interactive sessions to provide personalized guidance and issue certificates.
- Confidentiality and Credit Protection confidentiality_policyThe organization maintains strict confidentiality by not reporting debtor information or course participation to credit reporting agencies, thereby preventing negative impacts on individuals' credit reports.
- Confidentiality protection in credit counseling confidentiality policyThe organization does not report debtor information or course participation to credit reporting agencies, protecting client privacy and preventing unintended negative impacts on credit reports.
- Confidentiality protection in financial counseling confidentiality policyTo protect client credit standing, the organization does not report debtor information or course participation to credit reporting agencies, maintaining privacy and preventing unintended negative consequences.
- Fee waiver program for low-income clients fee_waiver_programThe organization offers fee waivers for both credit counseling services and Personal Financial Management courses to individuals with incomes below 150% of the HHS Poverty Guidelines, ensuring equitable access regardless of financial capacity.
- Fee waiver program for low-income clients fee_waiver_programThe organization offers fee waivers for both credit counseling services and the Personal Financial Management course to individuals with incomes below 150% of the HHS Poverty Guidelines, ensuring equitable access regardless of financial capacity.
- Income-Based Fee Waiver Program fee_waiver_programThe organization ensures access to its financial management courses and credit counseling services by offering fee waivers to clients whose income falls below 150% of the HHS Poverty Guidelines.
- Modular online learning with mandatory counselor interaction modular_online_learning_with_counselor_interactionThe organization uses a structured online learning format divided into modules, requiring participants to engage in a secured messaging session with a certified credit counselor before receiving completion certification, ensuring personalized guidance and compliance with bankruptcy education requirements.
- Modular online learning with mandatory counselor interaction modular_online_learning_with_counselor_interactionThe organization uses a structured online learning format divided into modules, requiring participants to engage in a secured messaging session with a certified credit counselor before receiving completion certification, ensuring personalized guidance and compliance with legal requirements.
- Online bankruptcy education compliant with federal requirements online_bankruptcy_educationThe organization provides online credit counseling and debtor education courses that meet the requirements of the U.S. Bankruptcy Code, enabling individuals to fulfill legal obligations efficiently and remotely.
- Structured credit counseling with financial analysis and counselor review structured credit counselingPre-filing credit counseling follows a three-step process: an online course, a financial analysis by a counselor, and an interactive session to discuss tailored recommendations, ensuring comprehensive financial assessment and client engagement.
- Structured credit counseling with financial analysis and counselor review structured credit counselingPre-filing credit counseling follows a three-step process: an online course, a financial analysis review by a credit counselor, and an interactive session to discuss personalized recommendations, ensuring comprehensive support and regulatory compliance.
named programs · 2
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.
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.