888-415-8173









Pre-Bankruptcy Credit Counseling

 
Pre-Discharge Personal Financial Management
Instructional Course

On-line, the fee for our Pre-Filing Credit Counseling services is $20 for single or joint filers. Phone or in person, the fee for our counseling services is $25 for single or joint filers. Both filers are required to sign up for the course together to receive the joint filing fee. If joint filers take the course separately, an additional fee will be charged for the additional course. Upon successful completion of the counseling session, a certificate of completion will be issued. This certificate will meet the requirements of the Bankruptcy Prevention and Consumer Protection Act.   On-line, the fee for our Personal Financial Management Instructional Course is $20 for single or joint filers. Phone or in person, the fee for our counseling services is $25 for single or joint filers. Both filers are required to sign up for the course together to receive the joint filing fee. If joint filers take the course separately, an additional fee will be charged for the additional course. 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 Prevention and Consumer Protection Act.


Payment Options

ACH – Automatic Checking Account or Savings Account Withdrawal | Debit Card | Western Union | Money Order | Fee Waiver

Any client may request a waiver of the counseling fee. Approval of the waiver is based, in part, on the criteria listed 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:

In order to determine whether you are eligible to have the fee waived or reduced, please provide copies of the following documentation:

- a copy of your most current paystub;
- a copy of your most current bank statement;
- how many people are currently living in your household - the cover sheet of your most recent tax return if you file taxes;
- and a brief narrative of your financial situation; and last,
- complete contact information, including your phone number and email address.

If you are unable to send proof of any of the requested information, please detail the reason for this in your narrative.

The information may be sent:

- by faxing to 605-610-4059;
- by mailing to Allen Credit and Debt Counseling Agency - 20003 387th Ave, Wolsey, SD 57384; or
- by emailing to support@acdcas.com.

A client may receive a fee waiver or reduced fee 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.

For questions, please call toll-free: 1-888-415-8173.
2015 Federal Poverty Guidelines for the 48 contiguous states and the District of Columbia
Persons in Family/Household Poverty Guideline
1 $11,770
2 $15,930
3 $20,090
4 $24,250
5 $28,410
6 $32,570
7 $36,730
8 $40,890

For families/households with more than 8 persons, add $4,160 for each additional person.


 
2015 Federal Poverty Guidelines for Alaska
Persons in Family/Household Poverty Guideline
1 $14,720
2 $19,920
3 $25,120
4 $30,320
5 $35,520
6 $40,720
7 $45,920
8 $51,120

For families/households with more than 8 persons, add $5,200 for each additional person.


 
2015 Federal Poverty Guidelines for Hawaii
Persons in Family/Household Poverty Guideline
1 $13,550
2 $18,330
3 $23,110
4 $27,890
5 $32,670
6 $37,450
7 $42,230
8 $47,010

For families/households with more than 8 persons, add $4,780 for each additional person.