Bankruptcy Pre-Discharge Disclosure Form

Welcome! We understand that you have made an inquiry because you are required to complete "an instructional course concerning personal financial management", prior to receiving a bankruptcy discharge.

This agency has over 20 years of experience providing financial education to individuals and families. It is our view that the purpose of this financial management course is to provide you with the knowledge to manage your finances and give you the tools to help build a brighter financial future. Upon your completion of this course, you will be provided with a certificate of course completion.

This agency is a member of the National Foundation for Credit Counseling ("NFCC"). The NFCC has high standards for quality credit counseling and financial education, and this agency complies with those standards. In addition, this agency is accredited by the Council on Accreditation ("COA"), 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.

The counselors/educators teaching the courses have been trained and certified in accordance with the NFCC standards, and while he/she has expertise in helping those with financial problems, he/she cannot provide you with legal advice.

Rest assured that the information concerning your financial condition and status that you provide during this course is strictly confidential. We may compile data and aggregate information that you give us, but this information will not be disclosed in any manner that would personally identify you.

Family Service Agency, Inc. does not pay or receive fees or other consideration for the referral of students.

To help with the cost of providing this financial management course to you, this agency charges a fee of $50.00 for a single or $65.00 for a joint filing. In limited circumstances, you may be eligible to have this fee waived. No one is denied service because of the inability to pay.