Online Pre-discharge Bankruptcy Education

Please read the following statements carefully so that you will understand the procedures for this course.

CCCSMD (also known as Consumer Credit Counseling Service of Maryland and Delaware, Inc.) has over 51 years of experience educating consumers about money and credit. Our certified instructors have completed the certification program with the National Foundation for Credit Counseling and are required to continue their education yearly to maintain this highly regarded certification. Our agency is a member of the National Foundation for Credit Counseling (NFCC). NFCC has high standards for quality credit counseling and debtor education, and our agency complies with those standards. In addition, our agency is certified by the Council on Accreditation, an independent third-party organization, that reviews and monitors entities who provide social services.

CCCSMD is a non-profit agency. We are organized and operate in accordance with Section 501(c)(3) of the Internal Revenue Code. CCCSMD receives funding in the form of grants from banks and other financial institutions that support financial counseling and education. We do not pay or receive fees or other considerations for referrals of debtor students to our agency. CCCSMD is obligated to provide your certificate promptly upon completion of instruction, and we will do this within 3 business days upon the completion of your course. You will only receive your certificate upon completion of the Pre-discharge Bankruptcy Education course. CCCSMD might disclose debtor information to the Executive Office for the United States Trustee (EOUST) in connection with the United States Trustee’s oversight of the Provider, or during the investigation of complaints, during onsite visits, or during quality of service reviews. The EOUST has only reviewed and approved pre-file bankruptcy counseling and pre-discharge bankruptcy education services. CCCSMD does offer services to help with unsecured debt if needed.

Upon the completion of the online course, called Money in Motion, our agency will provide you a certificate of completion of an instruction course promptly; and no later than 3 business days from the completion of the Post-filing debtor education. You will only receive this certificate if you complete the pre-discharge bankruptcy education. You will need to provide us with your bankruptcy case number for this certificate.

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, such as a response to a subpoena or the United States Trustee in their oversight of this agency during the investigation of complaints, during on-site visits or during quality service reviews. We may compile data in aggregate form; however, your information will not be disclosed in any manner that would personally identify you.

To help cover the cost of providing the online Pre-Discharge Bankruptcy Education to you, this agency charges a fee of $14.95 for a single and $19.95 if you are filing jointly. A waved fee is based on 150% of poverty guidelines updated periodically by the US Department of Health and Human Services. As you proceed you will be asked a question about your household size and income. The online program will notify you if you are eligible for a fee waiver.  If you are not eligible for a waiver you will proceed to the payment page. We do not charge a fee for the generation of your certificate of completion. For questions regarding the bankruptcy counseling fee waiver, please call 1-800-642-2227.

This agency has a policy of prohibiting it from paying or receiving referral fees for the referral of debtor, except under fair share agreement.  No fees are either paid or received by our agency for the referral of a debtor to a bankruptcy attorney or any bankruptcy alternative agency.

Ofrecemos opcion en Español. We do provide in-person and telephone counseling services in Spanish.  If you require an additional language please visit the US Trustee site.

If you are dissatisfied with the service provided by our agency you can utilize the Complaint Resolution Process. The United State Trustee has reviewed only our credit counseling and personal financial management instructional course pursuant to 11 U.S.C. 111(d) and the US Trustees has neither reviewed or approved any other services we provide to clients.

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