Debtor Education Disclosure

1 $ Wiser Consumer Education, Inc.
Personal Financial Management Instruction
(aka Debtor Education)
Pre-Discharge Disclosure

 

1 $ Wiser's Personal Financial Management course, (aka Debtor Education), meets the Federal requirement for 2 hours of financial education before debts can be discharged. This course is sometimes referred to as the Pre-Discharge course.

When you register for this course, you will be required to provide a case number which has been assigned by the court when your Petition for Bankruptcy is filed. This case number, (YY-xxxxx), must be entered on your certificate of completion before the certificate can be issued. If you do not have a case number which has been issued by the court AFTER your case has been filed, (i.e. YY-xxxxx), you are taking the wrong course.

Instruction Over the Telephone

1 $ Wiser does not provide Debtor Education - Pre-Discharge Personal Financial Management Instruction over the telephone.

1 $ Wiser will make every effort to refer clients requiring instruction over the telepone to a Provider on the UST's list of approved providers who provides personal financial management instruction over the telephone.

The US Trustee's list of approved providers can be found at http://list-approved-providers-personal-financial-management-instructional-courses-debtor-education.

Bilingual Instruction

1 $ Wiser does not provide bilingual Debtor Education. 1 $ Wiser will make every effort to refer clients requiring bilingual instruction to a Provider on the UST's list of approved providers who provides personal financial management instruction in the language requested by the debtor student. 

The US Trustee's list of approved providers can be found at http://list-approved-providers-personal-financial-management-instructional-courses-debtor-education.

Fee Schedule

The fee for 1 $ Wiser Debtor Education is $39.99 per person. Payment may be made by debit card, credit card, or electronic check from this site during registration. Once the online course has been started, the registration fee is non-refundable. A fee of $3.00 will be charged for certificates of completion sent via U.S. Mail. A fee of $35.00 will be charged for certificates of completion sent via Overnight Delivery. 

Due to requirements set by the Department of Justice - Executive Office of the United States Trustee, 1 $ Wiser does not allow joint debtors to take Debtor Education together. To ensure we remain in full compliance with the rules under which we must operate, each individual must register separately and complete the course with a score of 70% or better. 

Ability to Pay

1 $ Wiser Debtor Education is offered to clients without regard to a client’s ability to pay provided the client’s attorney requests reduced fee or pro bono counseling. Clients applying for bankruptcy protection pro se (without an attorney) based upon total household income below 150% of the Department of Health and Human Services poverty guidelines or for any other reason must request reduced fee or pro bono instruction in writing. This request must be accompanied by the following documents:

  1. Name and email address of individual requesting reduced fee or fee wiaver
  2. Names, ages, and relationship to client/debtor of each members of the family or household
  3. Last 2 pay stubs for each adults (18 +) in the family or household or proof of public assistance
  4. Most current bank statement for each adults (18+) in the family or household
  5. Prior year’s Federal Tax Return if item #2 is not available

Alternately, if the client has received a waiver of court filing fees for in forma pauperis debtors, a copy of the fee waiver from the court may be submitted and will justify pro bono counseling.

Send written request which includes your email address and supporting documents via E-Mail to Info@1dollarwiser.com or fax to 1-940-687-9077.

All requests will be reviewed within 72 business hours of receipt.

Additional policy details may be obtained from 1 $ Wiser at 1-800-496-2440.

Instructor Qualifications

All 1 $ Wiser instructors have received in-depth training in 1 $ Wiser’s program. They receive continuing education at least twice a year to keep current on changes in consumer financial issues in areas such as healthcare, credit cards, mortgages, etc. They are skilled at helping you understand the materials presented and help you apply the new skills in your life. Each instructor has the heart of a teacher and experience in accounting, financial planning, credit counseling, or personal financial management.

Course Schedule, Times, and Locations

1 $ Wiser provides Debtor Education only via the Internet with follow up live instruction via telephone or email. This online program may be taken at any time. Clients may log on and off any time, 24/7. The client may resume from any session if the course was not completed in one sitting.

Trained instructors will respond to all course communications within 24 hours. Within 3 business days of completion of the online consumer education with a test score of 70% or better, a Certificate of Completion will be emailed.

Impact on Credit Reports

No information gathered or the results of the Debtor Education course will be disclosed to any Credit Reporting Agency.

Attorney Access and Disclosure of Client Information

If you register and/or log in using an attorney’s designated code, that attorney may have full access to the information you enter.This includes, but is not limited to all identification verification information entered, progress in the Debtor Education Course, test results, and copies of Certificates of Completion.

Client information may be disclosed to the United States Trustee in connection with the United States Trustee's oversight of 1 $ Wiser Consume Education, Inc., during investigation of complains, during on-site visits, or during quality of service reviews.

Consideration for Referrals

Neither 1 $ Wiser Consumer Education, Inc. nor any of its employees, agents, or partners, receives fees or other consideration for the referral of an individual to 1 $ Wiser’s Debtor Education. Neither 1 $ Wiser Consumer Education, Inc. nor any of its employees, agents, or partners, pays any fees or other consideration for the referral of an individual to 1 $ Wiser’s Debtor Education.

Certificate of Completion

Within three (3) business days of completion of the Debtor Education post test with a score of 70% or better, a Certificate of Completion will be issued via email to each client who registered and completed the course. 1 $ Wiser Consumer Education, Inc. files Debtor Education Certificates of Completion directly with the courts on behalf of debtor students.

Annual Review

The United States Trustee's Office has performed an annual review of 1 $ Wiser’s Debtor Education, a personal financial management instructional course and no other services offered by 1 $ Wiser Consumer Education, Inc.

 


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