Course Disclosures

Pre-Filing Bankruptcy Credit Counseling and Post-filing/Pre-discharge Debtor Education Disclosures:

Access Counseling, Inc. (the Provider) is required to disclose the following information prior to each Pre-filing Bankruptcy Credit Counseling (Credit Counseling) and Post-filing/Pre-discharge Debtor Education (Debtor Education):
  • The provider is a national 501(c)(3) non-profit consumer credit counseling and personal financial education organization.
  • Funding is provided by consumer client fees for the services and programs offered to cover the cost of providing the service or program.
  • Our program is not currently approved in the following states: Alabama and North Carolina.
  • Our credit counselors and personal financial educators all hold higher education degrees; are trained and certified in accordance with the standards of either the National Association of Certified Credit Counselors (NACCC), or the Center for Financial Certifications (CFC); and/or have experience in consumer credit counseling and/or personal financial education.
  • The fee for Credit Counseling is $25.00 via the Internet or telephone for single or joint filers. The fee for Debtor Education is $15.00 via the Internet or telephone for single or joint filers.
  • The provider does not report any of its clients’ information to any credit reporting agency. Thus, use of the provider’s services should not have any impact its consumer clients’ credit reports.
  • The alternatives to negative amortization of debt discussed during our credit counseling can have a potential impact on the credit report. Information on the possible impact to your credit score from each alternative will be presented during the counseling.
  • The provider offers services without regard to a consumer client’s ability to pay. The provider will determine if clients may qualify for a fee waiver during the registration process by comparing the client’s state of residence, household size and income against the 150% of Federal Poverty Level Guidelines. Consumers will be granted a fee waiver upon written verification of the household size and income. Supporting documentation must be sent to:
  • Credit Counseling Agencies and Debtor Education Providers must inform clients that services are available for free or at a reduced rate, based on a client’s ability to pay, prior to providing any information to, or obtaining any information from a client, and before beginning a counseling session or debtor education course. A client whose household income is above 150 percent of the poverty level and therefore is not presumptively entitled to a fee waiver may request a fee reduction by sending an email message to with an explanation of the Special Conditions that make the client eligible for a need based fee reduction.
  • The provider does not pay or receive fees or other consideration for referrals.
  • Certificates of completion will be issued only after the all counseling and course requirements have been met.
  • A debtor will only receive a certificate if the debtor completes their Credit Counseling or Debtor Education.
  • The provider does not offer Debt Management Plans (DMP’s). The provider may refer consumer clients to other approved agencies that offer DMP’s, but consumer clients may be assessed additional fees in connection to such referral.
  • The provider may disclose client information to the United States Trustee in connection with the United States Trustee’s oversight of the agency, or during the investigation of complaints, during on-site visits, or during quality of service reviews.
  • The provider has been approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s services.
  • The provider is required by the United States Department of Justice’s Executive Office for United States Trustees (EOUST) to make the following statement.
    • If you feel you do not possess sufficient English language skills to successfully complete the Credit Counseling o debtor Education, the provider offers Credit Counseling and debtor Education in Spanish. For our Spanish Internet Credit Counseling, please visit the provider’s Web site, or call (800) 205-9297 and then press # 3 for Spanish. If you feel you do not possess sufficient English or Spanish language skills to successfully complete the Credit Counseling or Debtor Education, the provider can assist you by helping you find another agency that may offer their Credit Counseling or Debtor Education in the language you are proficient in. To find another agency that may offer their services in the language you are proficient in, please go to the U.S. Department of Justice’s web site at, of call us at (800) 205-9297."
  • By checking the box below, you approve of the Access Counseling’s Terms and Conditions and Privacy Policy.