1 $ Wiser Consumer Education, Inc. (1$W) was started by financial education professionals, business executives, and attorneys to provide positive, unbiased, and accurate credit counseling and consumer education to individuals. Our team members have more than 80 years combined experience in counseling and financial management education and 35 years' experience in on-line, interactive course design and implementation.
1$W is a Texas 501 (c) (3) not for profit organization whose mission is to provide fundamental financial literacy education to individuals and families. 1$W is governed by an independent Board of Directors comprised of executives from academia, banking, real estate, and social services. Daily operations are under the direction of an Executive Director who reports to the Board of Directors.
1$W’s Budget and Credit Counseling is offered in all Judicial Districts. Completion of Budget and Credit Counseling is a prerequisite to applying for personal bankruptcy. 1 $ Wiser Consumer Education, Inc. is approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s services.
1$W DOES NOT offer Debt Management Plans. 1$W is not affiliated with any bank, credit card company, collection agency, or credit counseling agency. 1$W has no vested financial interest in the outcome of counseling, and will always present an unbiased viewpoint concerning the relative benefits and disadvantages associated with debt management plans versus personal bankruptcies. No agenda will ever color 1$W's advice.
1$W is a provider of Personal Financial Management Instruction (Debtor Education) in all Judicial Districts. The Debtor's Education course required under the Bankruptcy Code is a prerequisite to discharge of a debtor's debts in bankruptcy. 1 $ Wiser Consumer Education, Inc. is approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider’s services.
1$W provides its services without regard to a client's ability to pay. Clients/Debtors who cannot afford the Budget and Credit Counseling fee or Personal Financial Management Instruction fee may request a waiver from 1$W.