Financial Counseling & Education
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Family Life Resources, Inc.
A Christian Financial Counseling and Education Ministry

PRE-DISCHARGE EDUCATION

Do You Qualify for a Fee Reduction or Complete Fee Waiver?


Let us help you determine if you qualify for a reduction or even a complete waiver of the fee for this required education program. Let’s see if you meet either of these two qualifications (Attorney or Income).

Qualification #1- Your attorney provided free (pro bono)services in connection with your bankruptcy case.

If this is you, then have your attorney send us an email verifying this. Once received, we will waive the entire fee for your choice of internet or classroom. You will need to call us in order for us to provide to you the proper registration before you can continue this course.

Qualification #2 – Let’s check your household income level to see if you qualify.

Compare your current household income to the chart below to determine if you qualify for a reduction or fee waiver.

Total Number of Persons in Family or Household Fee Waived
$0 –Internet
  $0- Classroom
Reduced Fee
$15 – Internet
(per person)
$40 – Classroom
(per household)
No Fee Waiver
$25 – Internet
(per person)
$50 – Classroom
(per household)
  If total household income is less than: If total household income falls between the two columns: If total household income is more than :
1 $10,830   $16,245
2 $14,570   $21,855
3 $18,310 $27,465
4 $22,050   $33,075
5 $25,790   $38,685
6 $29,530   $44,295
7 $33,270   $49,905
8 $37,010   $55,515
for each additional person, add $3,740   $5,610

* United States Department of Health and Human Services. Source: Federal Register, Vol 74, No 14, January 23, 2009, pp 4199-4201

Note: Household Income is the combined sum of all gross income (before-taxes) of all members living in the household. Members of the household do not have to be related.

Verification Process:
Qualification for a reduction or waiver of fee requires the debtor provide proof that they meet the stated requirements defined above. Verification includes but is not restricted to: Schedule I within their bankruptcy filing papers, front page of their current tax return, paycheck stubs, unemployment paper or any reasonable document reflecting their income. Proof must be provided before you can continue this course. You may furnish this information via regular postal mail, fax or email attachments. Once you have sent this information, please call us so that we can register you for a time and method convenient to your schedule.

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