Agreement & Disclosure
We want you to understand the services CENTS will provide you in this program:
CENTS will provide you with adequate credit counseling as a requirement for filing for bankruptcy protection.
During the counseling session you will be able to learn how to: think about money management; identify your assets and debts; make a complete debt list; budget; balance your budget; calculate your spending percentage; reduce expenses and/or increase income to balance your budget or change your spending percentages; respond to a financial challenge.
You will learn how to evaluate your financial situation and get on a path to improve it.
CENTS charges $15 per person. Married couples must take this course independently and each spouse must get his or her own certificate. (The second class, the post-filing class you take after you file for bankruptcy, can be taken together.)
For our program to work most effectively, we need you to be diligent and truthful while answering the program's questions. The more accurate your answers are, the more relevant the information you'll receive.
The program has an interaction requirement. You must provide CENTS a working email address so we can email you an analysis after class. This interaction is required to complete the course. After the interaction, we will email your certificate.
Your course will be taught by a qualified instructor. The class curriculum was designed by Anthony Leahy. Mr. Leahy will teach and review your course. Mr. Leahy, a lawyer and Executive Director of CENTS, has over 10 years of classroom experience, including nine years teaching personal financial management and consumer credit education. He has designed four personal finance curricula.
CENTS is not responsible for any financial decisions that you choose to make. Financial decisions are highly personal and one must weigh many factors. This program will help you learn about your financial situation, but you must make the decision about your next steps. By signing this agreement, you agree to release CENTS from any liability.
You agree to provide CENTS with accurate and complete information.
"Nothing herein shall apply to actions or claims under the provisions of the United States Bankruptcy Code, 11 U.S.C. Section 101et seq."