BANKRUPTCY DEBTOR EDUCATION TERMS OF AGREEMENT $ EDUCATION USA, LLC. ($ED) IS REQUIRED TO DISCLOSE AND YOU ACKNOWLEDGE AND AGREE TO THE FOLLOWING:

  • The $ Education USA, LLC. instructor that will be delivering your bankruptcy debtor education is an experienced and trained professional. Instructors either hold a teaching certificate or have been certified as a personal finance counselor by a third-party organization.
  • $ Education USA, LLC. offers the bankruptcy debtor education program needed prior to discharge of debt.
  • For an individual or joint bankruptcy, the cost of the bankruptcy debtor education course is $9.95 and is offered by internet only. Payment can be made by debit card, credit card, or prepaid card. The debtor student may also use an attorney access code or fee waiver code which may cover the fee for the course.
  • If requested, $ Education USA, LLC. will provide refunds according to the following guidelines: (1) If a person completes the course and a certificate is requested and issued, no refund will be provided; (2) Otherwise, a refund for the amount paid less a $5 fee for expenses incurred will be issued. A refund must be requested within 30 days of payment.
  • The debtor student must provide bankruptcy case number.
  • The bankruptcy debtor education course is provided to debtor students without regard to the student's ability to pay the fee. A fee waiver is available if the consumer’s total income is less than 150 percent (150%) of the poverty guidelines last published by the United States Department of Health and Human Services (DHHS). $ Education USA, LLC will review your income based on the following guidelines to determine waiver eligibility:
    1. The income for comparison to the poverty guidelines is the total household monthly income.
    2. Non-cash governmental assistance (such as food stamps or housing subsidies) is not included in calculating debtor income.
    3. The income of a spouse is included in calculating income whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.

    If you qualify and would like to arrange for a waiver, you must send your written request for the waiver along with evidence of any and all income by email to info@dollared.com. $ Education USA, LLC will respond to your request within two business days.

  • $ Education USA, LLC. does not pay or receive fees or other consideration for the referral of customers to $ Education USA, LLC..
  • All debtor students of the bankruptcy debtor education course must remain within the course and its content for a minimum of two (2) hours.
  • $ Education USA, LLC. is not responsible for any client-side technical problems or challenges. These include the basic understanding of how to operate a computer or mobile device, the compatibility of your computer or mobile device, internet connectivity, and the use of any necessary software applications or programs.
  • Upon completion of the course, $ Education USA, LLC. will provide a certificate of course completion to the debtor student. $ Education USA, LLC. may also provide your attorney and/or bankruptcy judge or trustee with copies of your certificate, as well as any other required information gathered during the counseling session. The debtor student, and not $ Education USA, LLC., is responsible for providing a copy of the certificate of completion to their attorney and/or the court.
  • Your privacy is important to us. The information you provide in the course will not be used or viewed by any third party except as authorized by the client or required by law or a regulating authority, such as the United States Trustee. We make certain that all information shared orally, electronically, and in writing will be managed within legal and ethical considerations. We will take precautions to disclose information only to those who have a right to know. A copy of our entire privacy policy is available upon request or can be accessed from our website.
  • You may contact us at any time if you have any questions or concerns.
  • $ Education USA, LLC offers its instructional course in English. Debtors who are not proficient in either English may contact $ Education USA, LLC for assistance in obtaining a course in his/her native language.
  • The United States Trustee has reviewed only the debtor education services offered by $ Education USA, LLC. and not any other services our agency may provide.