All About Bankruptcy & Credit (AABC) is committed to providing quality professional services with the ultimate goal of your long term financial success. AABC continually strives for relationships with our clients based on confidentiality, integrity, transparency and a personal touch. I/We desire to receive Credit Counseling services from AABC, and therefore understand and agree as follows:
AABC is a non-profit agency, organized and operating in accordance with Section 501(c)(3) of the Internal Revenue Service Code. AABC is committed to quality at the highest level, and is an ISO 9001:2008 accredited agency that is certified by Bureau Veritas Certification North America, an independent third-party organization.
Pre-filing bankruptcy credit counseling is $39.00 per household, and includes both joint filers.
Post-filing Debtor Education fees are: Online course: $39; Classroom course: $55; Telephone course: $65
I will allow AABC, its employees, agents and volunteers to provide me with credit and debt management advice, recognizing that AABC does not give legal advice.
AABC counselors and instructors qualifications: All are certified credit counselors. Certification is through an independent third party organization such as the Association for Financial Counseling and Planning Education (AFCPE). Instructors are trained in the Debtor Education course materials.
AABC is authorized to disclose to any bankruptcy attorneys I contact for services all the details of my counseling sessions with AABC, including, but not limited to my creditor names, assets, liabilities, expenses, income, and any proposed or past Debt Management Plan (DMP).
Upon successfully completing counseling and/or an educational course, students will be provided a certificate of completion. If I have an attorney, my completion certificate(s) will be sent directly to them via fax or email.
The fees shown above include all materials, website access, and issuance of certificates, and are non-refundable. Fees are paid at the time of service and help offset the operating costs AABC incurs in providing these services. I understand that AABC will provide me counseling and educational services regardless of my ability to pay. Services are available for free or at a reduced rate based upon your ability to pay. Fee Waiver requests are available by calling our office.
AABC may receive financial support from creditors, businesses, individuals & community organizations. I understand that the credit counseling industry, including AABC, relies on regular voluntary contributions from creditors. Support from creditors may be in the form of grants, or "fair share" contributions which may be calculated as a percentage of the payment amount of applicable Debt Management Plans.
AABC does not pay or receive fees or any other consideration for the referral of clients or students to or by the provider.
Payments must be by Debit Card, Certified Check, Money Order or Cash.
I expressly agree that any dispute between me and AABC or its agents shall be resolved exclusively by binding arbitration in El Paso County, Colorado, through the National Arbitration Forum. Any award by the arbitrator may be entered as a judgment in any court of competent jurisdiction. Nothing herein shall apply to actions or claims under the provisions of the United States Bankruptcy Code, 11 U.S.C. Sec. 101 et seq. This agreement is governed by the laws of the State of Colorado.