Thank you for coming to Allen Credit and Debt Counseling Agency’s (ACDCA) credit
counseling session. Please take a few moments to read over the following information.
A new bankruptcy law went into effect on October 17, 2005. The law requires consumers seeking bankruptcy
protection to participate in credit and budget counseling before a bankruptcy can be filed. Congress
added this provision to the law to ensure that consumers understand all of their options, and that
they have the necessary knowledge and tools to develop a sound financial plan for their future.
ACDCA became approved to issue certificates in compliance
with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services.
Allen Credit and Debt Counseling Agency does not receive any funding from any
agency.
Allen Credit and Debt Counseling Agency does not provide any debt management plans,
debt repair services or contact creditors on behalf of our clients. We have no
impact on your credit reports.
What will happen? Keep in mind that counselors will not offer you legal advice. All financial
information that you give us will remain confidential and private within the confines of the law.
Your counseling session will last at least 60 - 90 minutes and will help you develop a picture of your
current financial situation, give you the knowledge you need to determine what should be your next
step, and answer any questions you may have.
Again, please remember that we do not offer credit repair services. We are here to empower you to
take control of your own financial situation. We are not responsible for any final decisions that
you choose to make. Please know that the advice that we give you is only as good as the information
you give us.
Upon completion of the counseling, ACDCA will provide a certificate of completion to the client.
Please note that the certificate is only valid for 180 days from the date of completion.
Your course information will be available on-line for 6 months after completion.
Fees
Allen Credit and Debt Counseling Agency charges consumers that register for
the Credit Counseling session, I’m Telling You There Is A Chance…
(whether the class is taken online, telephonically, or in person) a fee of
$50.00 per individual. Joint filers will be charged $75.00, with the first to use our service being charged
$50.00 and the second being charged $25.00. Both filers are required to sign up for the course independently.
In order to be registered for a class, payment is due prior to the onset of the class.
Under some circumstances, you may be eligible to have this fee waived. Please
refer to our fee schedule for further details. Please note that we do not offer a
credit repair service (commonly known as DMP).
Thank you for registering to take Allen Credit and Debt Counseling Agency’s (ACDCA)
Personal Financial Management Instructional Course. Please take a few moments to read over the
following information. Your registration will be confirmed once we receive your
payment.
ACDCA is approved to issue certificates evidencing completion of a Personal Financial
Management Instructional Course in compliance with the Bankruptcy Code. Approval does
not endorse or assure the quality of a Provider's services.
ACDCA does not pay or receive fees or other consideration for the referral of debtor
students to the Agency.
Upon completion of the course, ACDCA will provide a certificate of course completion
to the debtor student. Your course information will be available on-line for 6 months after completion.
Fees
Allen Credit and Debt Counseling Agency charges consumers that register for the
Personal Financial Management Instructional Course, A New Beginning…,(whether the class is
taken online, telephonically, or in person) a fee of $50.00 per individual, or $75.00, for
joint filers with the first to use our service being charged $50.00 and the second being
charged $25.00. Both filers are required to sign up for the course independently.
In order to be registered for a class, payment is due prior to the onset of the class.
Under some circumstances, you may be eligible to have this fee waived. Please refer to our
fee schedule for further details.
Online, telephonically, or in person, the fee for our counseling services is
$50.00 per individual or $75.00 for joint filers with the first to use our
service being charged $50.00 and the second being charged $25.00. Upon
successful completion of the counseling session, a certificate of completion
will be issued. This certificate will meet the requirements of the Bankruptcy
Abuse Prevention and Consumer Protection Act.
Online, telephonically, or in person, the fee for our Personal Financial
Management Instructional Course is $50.00 per individual or $75.00 for joint
filers with the first to use our service being charged $50.00 and the second
being charged $25.00. Upon successful completion of the course, each debtor
student will be issued a certificate of completion. This certificate will meet
the requirements of the Bankruptcy Abuse Prevention and Consumer Protection Act.
Fee Waiver:
Any client may request a waiver of the counseling fee. Approval of the waiver is
based, in part, on the criteria below. A decision will be made on a case by case
basis and the class may be available for free, not based on a client’s ability to
pay. Allen Credit & Debt Counseling Agency’s Fee Waiver Policy is as follows;
the client will need to send copies of the following documentation through the
mail: last 3 months of paystubs, last 3 years of tax returns, last 3 months of
bank statements, and a brief narrative of the client’s situation. If any of the
required documents are missing, just let us know why they are missing in the
narrative. Mail all the information and phone number to: ACDCA, PO Box 195,
Wessington, SD 57381. A client may receive a fee waiver if the annual household
income is less than 150% of the Federal Poverty Guidelines issued by the
Department of Health and Human Services or if the client is receiving pro bono
legal representation for their bankruptcy filing. If the client doesn’t have any
documentation, please give us a call at 888-415-8173.
Payment Options
ACH – Automatic Checking Account Withdrawal or Automatic Savings Account Withdrawal
Debit Card
Western Union
Money Order
Fee Waiver
About Us
We are here to help those who come to us needing credit/debt counseling
and guidance. We are a non-profit agency that has been granted a 501(c)(3) status.
Our agency was formed for a non-profit purpose or charter for a charitable, educational or
religious purpose. We were created to identify and assist those that need credit/debt
counseling and guidance. We have two goals. The first goal is to provide a service to
people like ourselves, ordinary folks who have 'been there'. The second goal is to
give you the guidance you need so you can learn how to practice successful personal
money management. Whether you are here to get some basic budgeting skills or to fulfill
certificate requirements mandated by the new bankruptcy law, we can help you achieve
your goals!
Qualifications of Agency Instructors
The Agency employs highly qualified teachers and counselors who have a combined
25+ years of experience in financial counseling and education. Our educators maintain
valid teaching certificates in multiple states and/or have degrees in counseling,
business, and accounting. Our credit counselors are required to maintain certification
through the Center for Financial Certifications, National Association of Certified
Credit Counselors or through the Association for Financial Counseling and Planning
Education, which includes the completion of 20 continuing education units (CEU's) in
a two year period. Allen Credit and Debt Counseling Agency does not give any commissions
or bonuses to their teachers/counselors based on the outcome of the counseling
services you receive from the agency.
Spanish Translation Available
Spanish translation is available Monday - Friday, weekends by appointment
(excluding holidays) from 9:00am CST - 10:00pm CST. Call for more information: 888-415-8173.
Courses Available
Clients can access our services offered over the internet
www.acdcas.com,
telephonically at 888-415-8173 or in person at one of our office locations.
For clients wishing to take either the Credit Counseling Session or the Personal
Financial Management Instructional Course, on-site course instruction is available
at ACDCA, 195 Brook St., Wessington, SD 57381 or at ACDCA, Penobscot Building, 645
Griswold Suite 123, Detroit MI 48226.
South Dakota
The in person session schedule is as follows:
Tuesdays at 10:00 am CST, Thursdays at 7:00 pm CST and Saturday at 1:00 pm CST.
Michigan
The in person session schedule is as follows:
Monday - Friday 8:30 am EST to 5:00 pm EST
Please contact us to schedule an in person session.
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