Disclosure Form for COMPLETE CREDIT COUNSELING INC.
COMPLETE CREDIT COUNSELING INC. is required to disclose the following information:
* COMPLETE CREDIT COUNSELING INC. is a non-profit agency dedicated to financial education programs and providing professional credit counseling to our clients.
* We are approved to issue certificates in compliance with the Bankruptcy Code. However, this approval does not assure or endorse the quality of an Agency's services.
* Fee Schedule: The Pre-Filing Bankruptcy Counseling session fee is $9.99 per person for the Basic Course, $29.99 per person for the Audio Course, and $39.99 per person for the Video Course. COMPLETE CREDIT COUNSELING INC. accepts credit cards, debit cards, PayPal, checks, and money orders. After successfully completing the course fees include a downloadable certificate from the client’s account and the certificate being e-mailed to the client’s attorney at no extra charge.
* Other Services: A $5.99 optional charge per account for emailing the certificate to the client’s email account on file, a $9.99 optional charge per account for mailing the certificate to the client’s home address on file, a $5.99 optional charge per certificate for faxing the certificate to the attorney’s fax number on file, $9.99 optional charge for course material in PDF format that the client is able to download (no refund once downloaded) and a $19.99 optional charge per account if the client would like to complete the required question-and-answer interview at the end of the course by phone instead of online (Chat Session). These options are optional services and are not selected by default. These optional services are not required to complete the course nor required to receive your certificate.
* Arbor Education certifies our counselors.
* All our services are provided in Spanish at no additional charge.
* COMPLETE CREDIT COUNSELING INC. does not receive or pay fees or other considerations for referrals.
* Our program is funded by fees from our clients for educational programs and services offered to the public to cover the costs related to those programs. We can receive funding from donations and contributions as well.
* Using the services of COMPLETE CREDIT COUNSELING INC. will not have any impact on your credit report. COMPLETE CREDIT COUNSELING INC. will not report any client to any credit reporting agency.
* For clients who are unable to pay for this Pre-Filing Bankruptcy Counseling course it is still made available via our Fee Waiver Policy. Please select "I qualify as a no-cost student" during the client registration process.
* 11 U.S.C. 502(k) provides the client the ability to negotiate an alternative payment schedule. COMPLETE CREDIT COUNSELING INC., does not provide this service but COMPLETE CREDIT COUNSELING INC. can refer clients to another approved agency, however, the client will be responsible for all the costs and fees associated with this referral.
* COMPLETE CREDIT COUNSELING INC. may disclose information regarding their oversight of our company for quality-of-service reviews, on-site visits, or for investigation of complaints.
* The United States Trustee has neither approved nor reviewed any further services our agency provides. UST has only reviewed the credit counseling services for COMPLETE CREDIT COUNSELING INC.
* The client will be provided with a certificate only if the client successfully completes the entire credit counseling course.
* COMPLETE CREDIT COUNSELING INC. will provide an individual certificate of completion to each client who completes the course. U.S. Trustee guidelines give us a directive to provide a certificate to the client promptly upon completion of the credit counseling. COMPLETE CREDIT COUNSELING INC. is required and mandated by UST to provide the certificate within one business day. However, our goal is to issue the certificate immediately (within 15 minutes of completing the course during normal business hours).
Terms and Conditions for COMPLETE CREDIT COUNSELING INC.
Upon registration the client is required to provide specific forms of identification which will include but are not limited to name, date of birth, last 4 digits of social security number, address, phone number and attorney’s information, if applicable. A failure to provide certain information may result in the client not having the ability to register and/or complete the course, which may inhibit the client from taking the course and being provided with the certificate.
Course fees
* Fee Schedule: The Pre-Filing Bankruptcy Counseling session fee is $9.99 per person for the Basic Course, $29.99 per person for the Audio Course and $39.99 per person for the Video Course. COMPLETE CREDIT COUNSELING INC. accepts credit cards, debit cards, PayPal, checks and money orders. After successfully completing the course the course fees include a downloadable certificate from the client’s account and the certificate being e-mailed to the client’s attorney at no extra charge.
* Other Services: A $5.99 optional charge per account for emailing the certificate to the client’s email account on file, a $9.99 optional charge per account for mailing the certificate to the client’s home address on file, a $5.99 optional charge per certificate for faxing the certificate to the attorney’s fax number on file, $9.99 optional charge for course material in PDF format that the client is able to download (no refund once downloaded) and a $19.99 optional charge per account if the client would like to complete the required question-and-answer interview at the end of the course by phone instead of online (Chat Session). These options are optional services and are not selected by default. These optional services are not required to complete the course nor required to receive your certificate.
* For clients that are unable to pay for the Pre-Filing Bankruptcy Counseling course it is still made available via our Fee Waiver Policy. Please select "I qualify as a no-cost student" during the client registration process.
Regarding instructor qualifications
COMPLETE CREDIT COUNSELING INC. can provide a certificate of course completion to our clients once they complete the course. Nothing herein shall apply to actions or claims under the provisions of the United States Bankruptcy Code, 11 U.S.C. Sec 101. The counselors at COMPLETE CREDIT COUNSELING INC., meet or exceed the standards of the United States Trustee Program.
Bilingual counseling services
COMPLETE CREDIT COUNSELING INC. Pre-Filing Bankruptcy course is offered in Spanish at no extra cost.
Prompt certificate delivery
U.S. Trustee guidelines give us a directive to provide a certificate to the client promptly upon completion of the credit counseling. Complete Credit Counseling, Inc is required and mandated by UST to provide the certificate within one business day. However, our goal is to issue the certificate immediately (within 15 minutes of completing the course during normal business hours).
Impact on credit reports
COMPLETE CREDIT COUNSELING INC. doesn’t report any information we receive to any credit reporting agency, and the Pre-Filing Bankruptcy course has no impact on the information provided and available in your credit reports. If a client does choose to file for bankruptcy or enter a Debt Management Plan, then these two options may affect the client’s credit score.
Funding sources
COMPLETE CREDIT COUNSELING INC. relies on the revenue received from this credit counseling course to fund the credit counseling course and we do not accept any donations from outside sources.
Disclosures to UST
COMPLETE CREDIT COUNSELING INC. may disclose information regarding their oversight of our company for quality-of-service reviews, on-site visits or for investigation of complaints.
Alternative payment schedule
11 U.S.C. 502(k) provides the client the ability to negotiate an alternative payment schedule. COMPLETE CREDIT COUNSELING INC., does not provide this service but COMPLETE CREDIT COUNSELING INC. can refer clients to another approved agency, however the client will be responsible for all the cost and fees associated with this referral.
Conditions of certificate issuance
The client will be provided with a certificate only if the client successfully completes the entire credit counseling course.
UST has only reviews credit counseling services
The United States Trustee has neither approved nor reviewed any further services our agency provides. UST has only reviewed the credit counseling services for COMPLETE CREDIT COUNSELING INC.
Conditions of certificate issuance
The client will be provided with a certificate only if the client successfully completes the entire credit counseling course.
Waiving tuition policy for COMPLETE CREDIT COUNSELING INC.
Complete Credit Counseling's Pre-Filing Credit Counseling Course is still available to these individual clients who are unable to pay. These clients will be analyzed to determine if they qualify for a fee waiver. If clients are eligible for a fee waiver they will be notified via email. They will be provided with instructions and with the documentation that will be required for a course refund. If a client chooses, they can request an advanced determination before paying for the course to discover if they are eligible for a fee waiver. They will be given instructions on the necessary documentation for this determination. The client's income must be below 150% of the Federal Poverty Guidelines as published yearly by the Department of Health and Human Services to qualify.
(Latest statistics available at https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines
Regardless of if the fee waiver method is advanced determination or automatic the student is required to submit proof for the income verification process. After COMPLETE CREDIT COUNSELING INC., receives all the required documentation it be determined if the income information submitted qualifies for a fee waiver and qualified no cost students are afforded the opportunity to receive the counseling course for free. The documentation that is required to be submitted to determine if a client is eligible and qualifies for a fee waive include: the attached form, household size, pay stubs (minimum of last two months) and submission of Schedules I form from the client’s bankruptcy petition. The required documents need to be submitted by the client or on the client’s behalf to Complete Credit Counseling, Inc, and sensitive information (i.e., Social Security number) needs to be redacted. The fee waiver request must be submitted within 60 days of the original payment date.
Mailing Address:
COMPLETE CREDIT COUNSELING INC.
Attn. Fee Waiver Request
701 Rte. 70 W.
Marlton, NJ
08053
OR
Email the request:
Additional information
COMPLETE CREDIT COUNSELING INC., does not receive or pay for referrals. Clients can take this course anytime (24/7, 7 days a week) via the internet. The course is accessible to clients over the age of 16. Those individuals under 16 should not submit any personal information nor use our service. COMPLETE CREDIT COUNSELING INC., does not gather or keep information from known individuals under the age of 16. The COMPLETE CREDIT COUNSELING INC., website is not intended or created to attract anyone who is under the age of 16.
COMPLETE CREDIT COUNSELING INC. privacy policy
It is required to take this course for a client to enter personal information. We do not share or sell any personal information about you to any organization or person except a) they are participating agencies, b) authorized by you, c) as set forth herein, or d) required by a court order or a court of law. To complete this course the client must go to COMPLETE CREDIT COUNSELING INC.’s website. During the registration process the client is required to provide specific forms of identification which will include but are not limited to name, date of birth, last 4 digits of social security number, address, phone number and attorney’s information, if applicable. A failure to provide certain information may result in the client not having the ability to register and/or complete the course, which may inhibit the client from taking the course and being provided with the certificate. To complete this course COMPLETE CREDIT COUNSELING INC., tracks and collects specific client information. The website for COMPLETE CREDIT COUNSELING INC., will send cookies to the device you are using to take the course. These cookies will not track personal information but will track and retain pieces of information including navigation patterns, session counts, aggregate information, pages visited among pieces of data. These cookies are held by COMPLETE CREDIT COUNSELING INC. once you finish registering for this course so that when you return later our system will recognize your account.
COMPLETE CREDIT COUNSELING INC., implements web logs to compile information about its website. Web logs don’t store any information on the client’s computer, but it does track anonymous information including the Internet Provider address if applicable, number of visits, type of browser and number of visitors among other pieces of data.
An anonymous identification number can be gathered by the website for COMPLETE CREDIT COUNSELING INC., if you go to this website from an online banner advertisement. This will permit COMPLETE CREDIT COUNSELING INC., to ascertain the successfulness of banner ads and online advertisement and personal information can’t be gathered.
Participation in the CONTACT US section of COMPLETE CREDIT COUNSELING INC., is totally voluntary regarding the client’s choice to deluge personal information. The client can contact COMPLETE CREDIT COUNSELING INC., using the CONTACT US section of this website.
COMPLETE CREDIT COUNSELING INC., may provide educational information and resources to assist clients regarding credit counseling and bankruptcy therefore COMPLETE CREDIT COUNSELING INC., may gather personal information which is necessary for these services.
Course evaluation information on occasion will be submitted to the Unites States Trustee upon request.
The information COMPLETE CREDIT COUNSELING INC., gathers during the registering process helps verify the client and if they have completed the course.
If COMPLETE CREDIT COUNSELING INC., has cause that revealing personal information is necessary to contact, identify or bring legal action against an individual that may create interference, injury or harm to clients, other individuals or COMPLETE CREDIT COUNSELING INC., properties and/or rights COMPLETE CREDIT COUNSELING INC., may release personal or account information against said individual to the necessary authorities.
Clients have the ability to review and change personal information if their account is active.
State and Federal regulations may require that COMPLETE CREDIT COUNSELING INC., stores completed accounts for a period of time and in order to comply with these regulations COMPLETE CREDIT COUNSELING INC., may be unable to delete certain information from our servers.
Complete Credit Counseling, Inc, cannot and does not guarantee that your personal information provided by you cannot be intercepted or decrypted by nefarious individuals. However, COMPLETE CREDIT COUNSELING INC. does and will continue to take and ensure measures that your personal information is disclosed only in accordance with your instruction.
COMPLETE CREDIT COUNSELING INC., will post any changes to the Privacy Policy on the website that will affect how your personal information is treated. These changes, if made, will be deemed effective two weeks after the date of posting. The client will have the right to opt out of any new policy if applicable by law.
IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS OF THE TERMS AND CONDITIONS AND THE PRIVACY POLICY, SIMPLY EXIT THIS PAGE WITHOUT ACCESSING OR USING OUR WEBSITE OR ANY OF OUR SERVICES.
HOWEVER, BY USING ANY SUCH SERVICES, YOU ARE ACKNOWLEDGING THAT YOU HAVE READ AND UNDERSTAND THIS POLICY AND THAT YOU AGREE TO BE BOUND BY ITS TERMS.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR OWN PERSONAL RECORDS. Last updated on April 14, 2023.