Personal Financial Management Instructional Course by Consumer Education and Training Services (“CENTS”)

Welcome to INNOVO, CENTS' online personal financial management instructional course. (Innovo is latin for "to renew.")

PLEASE READ ALL OF THE FOLLOWING INSTRUCTIONS VERY CAREFULLY.

1. INNOVO ONLINE CLASS OVERVIEW
   

   You take this course AFTER you have filed for bankruptcy. If you do not have a bankruptcy case number, please do not take this course yet.

   The INNOVO online course is two hours long and costs $30/person or $50/couple. You pay through the PayPal website (connected from our website) and you do not need to be a PayPal member or use a credit card. After you pay, you can enter our course and create your own username and password. You can complete the course at your leisure; you do not need to complete it all in one sitting. Upon completion of this two hour online course, a certificate of course completion will be emailed to you within three days. When you complete the course, you will have another opportunity to list an email where you want us to send your certificate. You will want to check the spam/junk folders of that email as well when you are done with the course.

2. MAKE SURE THIS IS THE CORRECT CLASS
   

   A bankruptcy filer must take

   1. A credit counseling class BEFORE he or she files AND
   2. A financial education class AFTER he or she files.

   Innovo is the financial education class to be taken AFTER filing bankruptcy. If you have not filed and need to find an approved provider of the credit counseling class, please go to the website of the United States Trustee: www.usdoj.gov/ust.

   Please contact us after you have taken that course and filed. Again, if you do not have a bankruptcy case number do not take our class yet.

3. MAKE SURE YOUR COMPUTER IS SET UP TO PLAY OUR COURSE

   For this course to function properly your browser must meet certain standard specifications.

   Please note that changing cookie and popup settings can affect the security of your computer and CENTS and KCBA cannot be held liable for any technical issues that may result from these changes. Please remember to reset your computer back to its original settings after you have completed our course.

   Please note we offer phone and in person classes (in downtown Seattle) once a month on a Thursday from 6:30pm to 8:30pm. We have a limited amount of phone slots and the phone sessions are given at the same time as our in person classes.

   IMPORTANT: In order for this course to function properly you must:

   • Use Firefox (available for free here) or Safari (available for free here)
   • Have the current version of Flash Player (avalable for free here)
   • Have cookies enabled on your browser
   • Have Javascript enabled on your browser
     
     
   • You must use Firefox or Safari. Internet explorer does not render the site correctly, and you will not be able to advance through the course. You can download Firefox for free from their website : http://www.mozilla.com/firefox or http://www.apple.com/safari/download/
     
     
   • You must have the current version of Flash Player. This course uses flash to play the videos, and you will not be able to view the course with older versions of the Flash Player. You can get it for free from their website here : http://get.adobe.com/flashplayer
     
     
   • You must have cookies enabled. This course utilizes cookies to track your progress. If you do not have cookies enabled the course will not function.
     
     
   • Javascript must be enabled. These pages utilize Javascript, a common internet program, for many operations. Your browser will need to have Javascript enabled for these pages to function.

   Please note we can only provide limited support directly related to this online class. We will refund your payment if you are unable to complete the course. Please email if you are having an issue and we will resolve it.

   E-Mail support at info@centsprogram.org

4. BEGIN COURSE

   After you have registered, and created your user name and password, click on the link below to enter the course. You will first be required to enter your username and password. Please note: We cannot issue you a certificate if you live in Oregon.

   If you have already registered for the course, please
   Click Here to Enter the Course!

   We accept Checking account transfers, E-Checks, Debit Cards

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