FAQ
Q: May a credit counselor advise a client on whether or when to
file bankruptcy?
A: No. The decision on whether or when to file
bankruptcy can only be made by the
consumer and his/her attorney. Advice on the timing and necessity
(or lack thereof)
of a bankruptcy may constitute legal advice which could be deemed
to be the unauthorized
practice of law and be actionable by State authorities.
Q: What determines an individuals ability to pay??
A: Ability to pay must be determined on a
case-by-case basis.
In general a person with income less than 150% of the US poverty level will qualify for a waiver.
Q: Can you fail this Session?
A: No. Everyone who completes the session will
receive a Certificate of Completion.
There is no graded exam.
Q: When can I take my course?
A: At any time. You can take the course at any time.
Q: How do I Pay?
A: You or anyone else may pay by credit card or by money
order payable to
123 Credit Counselors Inc. and mailed to:
123 Credit Counselors, Inc.
6303 Blue Lagoon Drive
Suite 400
Miami, FL 33126
Q: What information will I need to provide to register for the
course?
- Your full name
- The district in which you reside (a list is provided at time
of registration)
- Your address
- Your email (you do not have to have an e-mail address to
access our course)
- Your phone number
- Information regarding sources of income, debt payments/balances
and assets.
- THAT'S ALL, NO ADVANCED PREPARATION IS NEEDED
Q: Do a husband and wife need separate financial counseling sessions?
A: A husband and wife may take the internet course at the same time or
may elect to take separate courses.
However, the follow-up must be done
separately if completed through a chat session or together if completed via telephone session.
Q:. How long is my session?
A: The average length of a session is 60-75 minutes including the follow-up session.
Your session may be shorter or longer depending on your particular situation.
A minimum of 60 minutes must be spent on the internet portion of the course.
Q:. Does my certificate have an expiration date?
A: The certificate is valid for 180 days from your course completion date (date of follow-up session).
