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 bankruptcy debtor education course is offered by internet for $25 per session. Payment can be made by debit card, credit card, prepaid card, automatic withdrawal from a bank account, and attorney code. If requested, FES 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.
  • 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.

Finan­cial Edu­ca­tion Ser­vices, Inc. Fee Waiver Policy

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 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 , 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