On-Line Instructions

Step One

Client completes required disclosures and mails or faxes to CC&BC:

1. Income Certification

2. Affidavit (with a copy of ID)

3. Fee

Step Two

Agency issues login and password to client via e-mail

 

Step Three

Client completes on line course (allow 2 hours)

 

Step Four

Agency will issue certificate via e-mail (after verification)

 

 

 

Students can email questions regarding the material to questions@postbankruptcy.org

A response will be sent within 24 hours, excluding weekends and holidays.

 

 

 

The Course

 

Students will login to website, verify identification, and fill out demographic survey and a pre-test.

 

Students will be then guided to the first chapter. Upon completion of a chapter, student will be required to answer four questions. Student will be able to move on to the next chapter after reviewing the correct answers.

 

At the conclusion of all 8 chapters, students will take a 30 question online post-test. The order of the test questions are randomly changed and rotated from a bank of 50 questions. To submit the post-test answers the student must again verify their ID.

 

Student will need to answer 21 of the 30 questions correctly. This is a 70%. If the student does not receive a score of 70% or spends less than the recommended time of 2 hours, we may have to contact you and your certificate may be delayed.

 

Debtor Education:

Personal Financial Management Instructional Course Disclosure

Consumer Credit and Budget Counseling has over 8 years of experience educating consumers and clients about money and credit.    This agency is accredited by the Council on Accreditation, an independent third-party organization that reviews and monitors entities that provide social services.  We are a non-profit agency.  We are organized and operate in accordance with Section 501(c) (3) of the Internal Revenue Code. We do not pay or receive fees or other considerations for referrals of debtor students to our agency.

 

You have the option of taking Money in Motion, our bankruptcy and community education program, in a classroom setting or online.  A certified consumer credit counselor will be conducting or supervising the Money in Motion classes.   Our instructors have completed the certification program offered by the Association for Financial Counseling and Planning Education.  

 

For online students, please email any questions you have regarding Money in Motion to Help@PostBankruptcy.org.  You will receive a response to your questions within 24 business hours.

 

We will ask you to voluntarily fill out basic demographic information.  We will not disclose any such information that you provide orally or in writing to anyone, except as authorized by you in writing or as required by law.  We may compile data in aggregate form; however, your information will not be disclosed in any manner that would personally identify you.

 

Consumer Credit and Budget Counseling does not pay or receive fees or other consideration for the referral of debtor students to or by the provider.

 

To help cover the cost of providing this program to you, this agency charges a fee of $ 50.00. However, you may be eligible to have this fee reduced or waived (see Needs Based Debtor’s Education Fee Schedule).  We will not deny service due to an inability to pay.

 

At the conclusion of Money in Motion, you will be provided with a certificate that you will need for the discharge of your bankruptcy.  You will need to provide us with your bankruptcy case number for this certificate. As an approved provider, this certificate is valid for up to 180 days after it is issued.

 

If you are dissatisfied with the service provided by our agency you can utilize the Compliant Resolution Process.  You agree to hold Consumer Credit and Budget Counseling, its employees, and volunteers harmless from any claim, suit, and action resulting from this service.  Nothing herein shall apply to actions or claims under the provisions of the United State Bankruptcy code, 11 U.S.C. Sec. 101 et seq.