Enrollment for the First Bankruptcy Course (Credit Counseling) will be available once approval is granted.

First Bankruptcy Course
This course is taken before you file for bankruptcy.

Certificate upon Completion
Proof of credit counseling certification available immediately during business hours.

Application Status
Application for approval as a nonprofit budget and credit counseling agency and provider of a personal financial management instructional course is currently pending with the Executive Office for U.S. Trustees. Services will not be offered until approval is granted.

Fee Waiver Policy

Nationwide Bankruptcy Classes grants a full fee waiver to any client whose household income is at or below 150% of the current Federal Poverty Guidelines, as published annually by the U.S. Department of Health and Human Services.

Household income includes total gross income from all sources for all members of the household. For joint filers, eligibility is determined based on combined household income and total household size.

Clients may request a fee waiver prior to enrollment by contacting the Nationwide Bankruptcy Classes directly at nationwidebankruptcyclasses@gmail.com. No client will be denied services due to inability to pay. Issuance of a certificate of completion will not be withheld if a fee waiver is granted. 

Mandatory Disclosures – Budget and Credit Counseling Services

0001 Nationwide Bankruptcy Classes

These disclosures are provided in accordance with 28 C.F.R. § 58.20(l) and must be reviewed prior to enrollment in budget and credit counseling services.

1. Purpose of Credit Counseling

This counseling session satisfies the pre-petition credit counseling requirement under 11 U.S.C. § 109(h).

The purpose of the counseling session is to:

• Review the debtor’s current financial situation,

• Discuss alternatives to bankruptcy, and

• Assist in developing a personal budget analysis.

Completion of this counseling session is required before filing for bankruptcy under Chapters 7, 11, 12, or 13, unless otherwise exempted by the court.

The Agency is not a law firm and does not provide legal advice. The Agency cannot provide advice regarding whether a debtor should file bankruptcy, how to complete bankruptcy forms, or the likely outcome of a bankruptcy case.

The Agency cannot guarantee that a debtor will receive a discharge or achieve any specific legal outcome.

2. Fee for Credit Counseling Services

The fee for the budget and credit counseling session is $11.95 per debtor (or $11.95 total for joint filers).

No additional fees are charged for issuance of the certificate of credit counseling.

3. Fee Waiver and Reduced Fee Policy

The Agency grants a full fee waiver to any debtor whose household income is at or below 150% of the current Federal Poverty Guidelines, as published annually by the U.S. Department of Health and Human Services.

Household income includes total gross income from all sources for all members of the household.

For joint filers, eligibility is determined based on combined household income and total household size.

Debtors may request a fee waiver prior to enrollment by contacting the Agency by email or telephone and submitting income documentation or written income information sufficient to verify eligibility.

No debtor will be denied counseling services due to inability to pay. Issuance of a certificate of completion will not be withheld if a fee waiver is granted.

4. Certificate of Credit Counseling

Upon completion of the counseling session and required financial analysis, a certificate of credit counseling will be issued promptly and no later than one business day.

Certificates are delivered electronically. The debtor is responsible for filing the certificate with the bankruptcy court unless otherwise required by the court.

5. Description of Services and Limitations

The counseling session includes:

• A review of income, expenses, assets, and liabilities,

• A discussion of available financial options,

• Development of a personal budget analysis.

The Agency does not provide legal representation, tax advice, or investment advice.

6. Debt Repayment Plans (DRPs)

The Agency does not offer or administer Debt Repayment Plans (DRPs) to clients seeking credit counseling pursuant to 11 U.S.C. § 109(h).

Clients completing counseling for bankruptcy purposes will not be enrolled in a DRP.

7. Record Retention

The Agency maintains records of counseling sessions and certificates in accordance with applicable federal regulations.

8. Complaints

If a debtor has a complaint regarding the Agency’s services, the debtor may contact:

Executive Office for U.S. Trustees
United States Department of Justice
441 G Street, NW
Suite 6150
Washington, DC 20530
Telephone: (202) 307-1399
Website: https://www.justice.gov/ust

Complaints may also be submitted to the United States Trustee serving the district in which the debtor’s bankruptcy case is filed.

9. No Credit Reporting

The Agency does not report participation in credit counseling services to any credit reporting agency.

10. Privacy

The Agency does not sell debtor information to third parties.

Enrollment in credit counseling services constitutes acknowledgment that the debtor has reviewed these disclosures prior to commencement of counseling.