Terms and Conditions  |  Tuition Waiver  |  Privacy Policy


Terms and Conditions

101CreditCounseling.com Credit Counseling and Education, Inc. (hereinafter 101CreditCounseling.com) is an independent, Washington State non-profit corporation whose mission is to provide quality financial education. **101CreditCounseling.com is approved to provide credit counseling certificates that are required to file a bankruptcy case. If you are using 101CreditCounseling.com to get a certificate for the purpose of filing a bankruptcy case, please read the following information.

Attorney accounts are established for your convenience and if your attorney has a payment arrangement with us we may invoice that attorney for your course fee. 101creditcounseling.com does not participate in discount agreements or contracts with attorneys. If your attorney has an account with 101creditcounseling.com, your attorney will be invoiced the same amount you would pay as a client without an attorney. All publicly disclosed fees are applicable to all students.

Counselors

Counselors have agreed to maintain Professional Counseling Standards established in the CC-ED education program and in doing so have earned recognition as Certified Credit Counselors. Certifications granted from Credit Counselor Certification INC.

Your Credit Report

101CreditCounseling.com does not report any information to any credit reporting agency or bureau; therefore the use of 101CreditCounseling.com’s course and program will have no impact on your credit report. During the course of a credit counseling session 101CreditCounseling.com does provide clients information about alternatives based upon an individual’s financial situation. Some of these alternatives, which are services not provided by 101CreditCounseling.com, specifically debt management plans and the filing of bankruptcy, will affect your credit report.

Funding Received From Course Only

101CreditCounseling.com's source of funding is the fees it receives for Credit Counseling certifications and Financial Education certifications needed for the purpose of Bankruptcy cases. 101CreditCounseling.com does not take or receive funding from any creditor or lender.

Cost of Credit Counseling Certification

The cost of 101CreditCounseling.com's credit counseling certification is $14.95 per individual and $14.95 per couple.

Any discount given for 101creditcounseling.com is for the client's benefit only.

Tuition Waiver Information & Procedures

Services will be provided without regard to the client's ability to pay. 101CreditCounseling.com will waive the credit counseling fees for clients whose household income is less than 150% of the estimated poverty threshold for their applicable family size as published by the Bureau of the Census. If a client is receiving legal services pro-bono, if their sole source of income is disability and/or they can show hardship, 101CreditCounseling.com will also waive the credit counseling fees.

E-mail your letter of need addressing your situation to:

customersupport@101creditcounseling.com

You may also mail your letter of need to:

101CreditCounseling.com
Attn: Fee Waiver Department
PO Box 2642
Eugene, OR 97402

Certificate Expiration

Your credit counseling certification will have the date and time that you completed the emailed counseling stamped on it. Your certificate will be valid for the purpose of filing for a bankruptcy case for up to 180 days from the date and time stated on your completion certificate.

Hours of Operation

The course can be accessed 24 hours a day / 7 days a week and 365 days a year. However, site support and credit counseling sessions are limited to certain hours of operation 9:00am- 5:00pm PST Monday thru Friday (except some holidays).


Privacy Policy

Information collected by 101CreditCounseling.com is treated as strictly confidential, no personally identifiable information will be released to any unauthorized individual, company, creditor, collection agent, credit reporting agency or other non-governmental entity.

101CreditCounseling.com reserves the right to collect non-individualized information regarding the use of its website course and programs. 101CreditCounseling.com further reserves the right to record telephone calls for process improvement, employee training and for accreditation purposes. 101CreditCounseling.com promises not to sell, rent, loan, lease or trade a consumer’s contact information or email address.

101CreditCounseling.com will limit the mandatory collection of consumer information to the minimum required to provide the credit counseling program, which includes performing assessments of consumers’ financial situations, determining the factors which led to consumers’ financial problems, assistance in preparing a budget, providing budgeting tips, performing a complete debt analysis and informing clients of the various alternatives to their financial situation without incurring a negative amortization of debt.

All 101CreditCounseling.com employees are required to sign and abide by an agreement whereby they are required to keep all sensitive client information confidential. We will permit only authorized individuals, who are trained in the proper handling of client information to have access to that information. Employees who violate our Privacy Policy will be subject to disciplinary procedures.

Your Credit Report

101CreditCounseling.com does not report any information to any credit reporting agency or bureau; therefore the use of 101CreditCounseling.com’s course and program will have no impact on your credit report. During the course of a credit counseling session 101CreditCounseling.com does provide consumers/clients information about alternatives based upon an individual’s financial situation. Some of these alternatives, which are services not provided by 101CreditCounseling.com, specifically debt management plans and the filing of bankruptcy, will affect your credit report.

No Contract

Consumers/Clients of the 101CreditCounseling.com are in no way entering into a financial contract with 101CreditCounseling.com and are not to make any contractual payments to 101CreditCounseling.com.

Funding Received From Course Only

101CreditCounseling.com's source of funding is the fees it receives for Credit Counseling certifications and Financial Education certifications needed for the purpose of Bankruptcy cases. 101CreditCounseling.com does not take or receive funding from any creditor or lender.

* Requires credit card/upfront payment. Business hours are until 12AM EST. Course is designed to take one hour as required by the US Trustee.