Financial Education Services, Inc. (FES) is required to disclose and you acknowledge and agree to the following:

  • The FES instructor that will be delivering your bankruptcy debtor education is an experienced and trained professional. Instructors either hold a teaching certificate or have been certified as a personal finance counselor by a third-​​party organization.
  • FES offers the bankruptcy debtor education program needed prior to discharge of debt. The United States Trustee has reviewed only the provider’s instructional course and has neither reviewed nor approved any other services the provider provides to debtors.
  • For an individual or joint bankruptcy, the cost of the bankruptcy debtor education course is $25 and is offered by internet. Payment can be made by debit card, credit card, prepaid card, or automatic withdrawal from a bank account. The debtor student may also use an attorney access code or promo code which may cover or lower the fee for the course. After entering an attorney access code or a promo code during the registration process, the system will display the regular fee, the discounted fee, and the amount of the discount prior to collecting the remaining amount, if applicable, from the debtor student.
  • If requested, Financial Education Services will provide refunds according to the following guidelines: (1) If a person completes the course and a certificate is requested and issued, no refund will be provided; (2) Otherwise, a refund for the amount paid less a $5 fee for expenses incurred will be issued. A refund must be requested within 30 days of payment.
  • The debtor student must provide bankruptcy case number.
  • The bankruptcy debtor education course is provided to debtor students without regard to the student’s ability to pay the fee. You may review our fee waiver policy below:

    FES will waive the debtor edu­ca­tion fee in whole or in part when­ever a client demon­strates a lack of abil­ity to pay the fee. A client pre­sump­tively lacks the abil­ity to pay the fee in whole or in part if the client’s cur­rent house­hold income is less than 150 per­cent of the poverty guide­lines for their fam­ily size.

    Please Note:
    1. The income for com­par­i­son to the poverty guide­lines is the “Total Com­bined Monthly Income” as reported on Line 16 of Sched­ule I of the bank­ruptcy petition.
    2. Non-​​cash gov­ern­men­tal assis­tance (such as food stamps or hous­ing sub­si­dies) is not included in cal­cu­lat­ing debtor income.
    3. The income of a spouse is included when cal­cu­lat­ing income whether or not a joint peti­tion is filed, unless the spouses are sep­a­rated and a joint peti­tion is not filed.
    4. The income of any other fam­ily mem­ber listed on Sched­ule I as a depen­dent is also included.

    You may con­tact our office at 1–877–460‑7337 or info@financialedservices.org with your name and case num­ber as they appear on your paper­work for assis­tance in deter­min­ing if you qual­ify. If you qual­ify and would like to arrange for a waiver, please for­ward a writ­ten request for the waiver along with evi­dence of any and all income by email to info@financialedservices.org, or by fax to 1–877–460‑8337.

    Alter­na­tively, you may for­ward a writ­ten request for the waiver along with appro­pri­ate doc­u­men­ta­tion to:
    Finan­cial Edu­ca­tion Ser­vices, Inc.
    8956 Tuscan Valley Place
    Orlando, FL 32825

  • FES does not pay or receive fees or other consideration for the referral of customers to FES .
  • All debtor students of the bankruptcy debtor education course must remain within the course and its content for a minimum of two (2) hours.
  • FES is not responsible for any client-​​side technical problems or challenges. These include the basic understanding of how to operate a computer or mobile device, the compatibility of your computer or mobile device, internet connectivity, and the use of any necessary software applications or programs.
  • Upon completion of the course, FES will promptly provide a certificate of course completion to the debtor student. FES may also provide your attorney and/​or bankruptcy judge/​trustee with copies of your certificate, as well as any other required information gathered during the counseling session.
  • Your privacy is important to us. We make certain that all information shared orally, electronically, and in writing will be managed within legal and ethical considerations. We will take precautions to disclose information only to those who have a right to know. FES may be required to disclose certain information to the United States Trustee in connection with the United States Trustee’s oversight of the provider, or during investigation of complaints, during onsite visits, or during quality of service reviews. A copy of our entire privacy policy is available upon request or can be accessed from our website.
  • FES provides services in English. Consumers requiring ser­vices in other languages should seek assistance from another provider.
  • You may contact us at any time if you have any questions or concerns.