001 Debtorcc, Inc. provides this course to any debtor student without regard to
the debtor student’s ability to pay the course fee.
You will become eligible for a full or partial fee waiver if your current household
income is less than 150% of the income of the official poverty line as identified
by the United States Department of Health and Human Services applicable to a household
or family of the same size.
How to Apply for a Fee Waiver:
001 Debtorcc, Inc. will determine your eligibility for a fee waiver during registration
by asking you to input your household income, family size, and selecting the state
where you reside. If your household income is less than 150% of the income of the
official poverty line as identified by the United States Department of Health and
Human Services applicable to a household or family of the same size, you will be
presumed unable to pay and become eligible for a full or partial fee waiver. You
will be required to complete our fee waiver request form and a determination will
be made within 72 hours and you will be notified via EMAIL. For fee waiver requests
received on Friday after 6pm EST, the determination will be made on the following
You will receive a partial waiver of $3.00 off the course fee if:
- You have paid $500 or more to an attorney or legal service to assist with your case; or
- You have assets of $2000 or more.
If you are eligible and the above partial fee waiver factors do not apply, you will
receive a full fee waiver.
001 Debtorcc Inc. will charge a fee of $14.95 per household taking the Internet Course.
All the course material is presented online and is included in the above fee. This
fee also includes any fees associated with generation of the certificate - we do
NOT charge an extra fee for that service. This fee will be the same for all approved
judicial districts. 001 Debtorcc, Inc is approved to issue certificates evidencing
completion of a pre-bankruptcy credit counseling course in compliance with the Bankruptcy
Code. Approval does not endorse or assure the quality of a Provider's services.
This course is available on the Internet 7 days a week, 24 hours a day, 365 days
of the year.
Our normal business hours are Monday - Friday 9am to Midnight EST. A live counselor will
be available during this time to answer any questions. For questions that arise
outside normal business hours, a counselor from 001 Debtorcc, Inc. will answer the
question before 12pm EST the following business day.
We provide Free Spanish bilingual assistance with the course. Please call 1-800-610-3920
during our normal business hours of Monday - Friday 9am to Midnight EST for assistance
As per U.S. Trustee Guidelines, 001 Debtorcc Inc will only provide a certificate
of completion once the debtor has completed the online portion of the course and
speaks to a counselor. A counselor will be available during normal business hours
of Monday - Friday 9am to Midnight EST.
Our certificates are generated immediately after you speak to a live counselor,
Monday - Friday 9am to Midnight EST. The counselor will discuss: a. Analysis of current
finanial situation; b. Discussion of factors that caused such conditions; c. Assistance
in developing a plan to respond to problems without incurring negative amortization
The educational background of all 001 Debtorcc Inc educators meets the requirements
set forth by the Executive Office for United States Trustees (EOUST).
The counselors at 001 Debtorcc, Inc. that will be providing your bankruptcy credit
counseling briefing are experienced and trained professionals that have received
in-depth training in 001 Debtorcc, Inc’s program. They are skilled at helping you
understand the materials presented and help you apply the new skills in your life.
Each counselor has experience in accounting, financial planning, credit counseling,
or personal financial management.
The counselors at 001 Debtorcc, Inc. may answer general questions about bankruptcy
but are prohibited from providing legal or tax advice. If you require legal or tax
advice, please seek the assistance of an attorney or tax professional.
001 Debtorcc Inc policy prohibits it from paying or receiving referral fees for
the referral of debtors.
The sole source of funding for 001 Debtorcc, Inc. comes from clients that take the
credit counseling course.
001 Debtorcc Inc will NOT provide the certificate of completion to the Bankruptcy
Court on your behalf. To ensure that you and your attorney receive the certificate
of completion, it is your responsibility to ensure that the contact information
provided for you and your attorney is correct. You are solely responsible for ensuring
that you and your attorney receive the certificate of completion in a timely manner.
001 Debtorcc Inc might disclose debtor information to the United States Trustee
in connection with the United States Trustee's oversight of 001 Debtorcc Inc, or
during the investigation of complaints, during on-site visits, or during quality
of service reviews.
No information gathered or the results of the Credit Counseling session will be
disclosed to any Credit Reporting Agency. The completion of this credit counseling
session will not negatively impact your credit rating. The possible impact of filing
a bankruptcy on your credit rating should be discussed with your attorney or an
You have the opportunity to negotiate an alternative payment schedule or debt management
plan (DMP) for your unsecured debt. 001 DebtorCC, Inc. does NOT provide this service.
We may refer you to another approved agency that provides this service. You may
incur additional fees in connection with a debt management plan.
The United States Trustee has reviewed only the instructional course provided by
001 Debtorcc Inc. The United States Trustee has neither reviewed nor approved any
other services provided by 001 Debtorcc Inc to debtors.
This page states the Terms and Conditions (the "General Terms" or the "Agreement")
under which any User ("User") may use Debtorcc.org (the "Web Site"). Please read
this page carefully. By accessing and using the Web Site, User accepts and agrees
to be bound, without modification, limitation or qualification, by these Terms.
If User does not accept any of the Terms stated here, User must not use the Web
Site. The right to access and use the Web Site is not transferable to any person
or entity. 001 Debtorcc Inc. may, at its sole discretion, modify or revise these
Terms at any time by updating this posting. Users are bound by any such modification
or revision and should therefore visit the Terms & Conditions page periodically
to review the Terms.
YOUR USE OF THE WEB SITE CONSTITUTES YOUR AGREEMENT TO ALL TERMS, CONDITIONS, AND
NOTICES CONTAINED HEREIN OR OTHERWISE POSTED ON THE WEB SITE.
Section 1. Changes
001 Debtorcc Inc reserves the right at any time and from time to time, to modify
or discontinue, temporarily or permanently, the Web Site and any and all features
and sections contained therein, with notice to registered users provided via posting
to the Website or email, and immediately in the event of technical difficulties.
001 Debtorcc Inc shall not be liable to any User or to any third party for any such
modification, suspension or discontinuance.
Section 2. IP Rights and Ownership
The contents of the Web Site, such as text, graphics, images, audio, video and other
material, as well as the underlying html source code of the Web Site ("Material")
are protected by copyright under both United States and foreign laws, and are owned
or controlled by 001 Debtorcc Inc or by third parties that have licensed their Material
to 001 Debtorcc Inc. Unauthorized use of the Material may violate copyright, trademark,
and other laws. User must retain all copyright and other proprietary notices contained
in the original Material on any copy User makes of the Material. User may not modify,
publish, transmit, participate in the transfer or sale, create derivative works,
or in any way exploit, any of the Material, in whole or in part or reproduce, display,
publicly perform, distribute, or otherwise use the Material in any way for any public
or commercial purpose. User may download 001 Debtorcc Inc copyrighted material for
User's personal use only. Except as otherwise expressly permitted under copyright
law, no copying, redistribution, retransmission, publication or commercial exploitation
of the Material will be permitted without the express permission of 001 Debtorcc
Inc and the copyright owner. In the event of any permitted copying, redistribution
or publication of the Material, no changes in or deletion of author attribution,
trademark legend or copyright notice shall be made. User acknowledges that it does
not acquire any ownership rights by downloading the Material. The trademarks, logos
and service marks (the ("Marks(") displayed on the Web Site are owned by 001 Debtorcc
Inc or third parties. User is prohibited from using those Marks without the express,
written permission of 001 Debtorcc Inc or such third party. If User would like information
about obtaining 001 Debtorcc Inc’s permission to use the Material on Your website,
e-mail email@example.com. 001 Debtorcc Inc and all related logos, whether or
not registered, are trademarks belonging to 001 Debtorcc Inc. All rights reserved.
All other trademarks appearing on the Web Site are the property of their respective
Section 3. Links
001 Debtorcc Inc, [or any Member] may provide links to third party websites. These
links are provided solely as a convenience to User and not as an endorsement by
001 Debtorcc Inc of the contents on such third-party Web sites. 001 Debtorcc Inc
is not responsible for the content of linked third-party sites. 001 Debtorcc Inc
exercises no control whatsoever over such other websites and web-based resources,
does not make any representations regarding the content or accuracy of materials
on such third-party Web sites and is not responsible or liable for the availability
thereof or the content, advertising, products or other materials contained thereon.
001 Debtorcc Inc shall not be responsible or liable, directly or indirectly, for
any damage or loss incurred or suffered by any user in connection therewith. Users
acknowledge their use of these third party websites is at their sole risk.
Section 4. Representations and Warranties - Liability Disclaimers
User represents, warrants and covenants that (a) they will use the Web Site for
lawful purposes only (b) no materials of any kind submitted through their account
which (i) violate or infringe in any way upon the rights of others, (ii) are unlawful,
threatening, abusive, defamatory, vulgar, obscene or profane in the sole discretion
of 001 Debtorcc Inc, (iii) encourage conduct that would constitute a criminal offense,
give rise to civil liability or otherwise violate any law, or (iv) contains any
advertising or solicitation with respect to products or services (without the express
prior written approval of 001 Debtorcc Inc). The Material may contain inaccuracies
or typographical errors. 001 Debtorcc Inc makes no representations warranties or
endorsements with regard to the accuracy, reliability, completeness, or timeliness
of the Material or about the results to be obtained from using the Web Site and
the Material. Advice received via this Web site should not be relied upon for personal,
legal or financial decisions and User should consult an appropriate professional
for specific advice tailored to their situation.
USER EXPRESSLY AGREES THAT USE OF THE WEB SITE IS AT USER'S SOLE RISK. NEITHER 001
Debtorcc Inc, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD
PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE WEB SITE WILL RUN UNINTERRUPTED
OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED
FROM USE OF THE WEB SITE. THE WEB SITE IS PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES
OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES
OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE,
OTHER THAN THOSE WARRANTIES WHICH ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION
OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT. THIS DISCLAIMER OF
LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE,
ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION,
COMPUTER VIRUS TROJAN BACK DOOR LOGIC BOMB OR ANY OTHER FORM OF MALICIOUS CODE,
COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION
OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE,
OR UNDER ANY OTHER CAUSE OF ACTION. USER SPECIFICALLY ACKNOWLEDGES THAT 001 Debtorcc
Inc IS NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS
OR THIRD PARTIES AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH
Section 5. Disclaimers of Certain Damages
IN NO EVENT SHALL 001 Debtorcc Inc AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT,
INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER
INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING
OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THIS WEB SITE, THE
DELAY OR INABILITY TO USE THIS WEB SITE, THE PROVISION OF OR FAILURE TO PROVIDE
SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS
OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB
SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF 001
Debtorcc Inc OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.
BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY
FOR OR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO
USER. IF USER IS DISSATISFIED WITH ANY PORTION OF THIS WEB SITE, OR WITH ANY OF
WEB SITE. UNDER NO CIRCUMSTANCES SHALL 001 Debtorcc Inc BE LIABLE TO ANY USER ON
ACCOUNT OF THAT USER'S USE OF THE WEB SITE. SUCH LIMITATION OF LIABILITY SHALL APPLY
TO PREVENT RECOVERY OF ANY AND ALL DAMAGES INCLUDING, WITHOUT LIMITATION, DIRECT,
INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL AND EXEMPLARY DAMAGES ARISING FROM
ANY USE OF THE WEB SITE, INCLUDING ANY DAMAGES THAT MAY BE INCURRED BY THIRD PARTIES.
Section 6. Indemnity
User agrees to defend, indemnify, and hold harmless 001 Debtorcc Inc, its officers,
directors, employees and agents, from and against any claims, actions or demands,
including without limitation reasonable legal and accounting fees, alleging or resulting
from any use of the Web Site and any Material contained therein by User or through
User's account, or by User's breach of the terms of this Agreement. 001 Debtorcc
Inc shall provide notice to User promptly of any such claim, suit, or proceeding
and shall assist User, at User's expense, in defending any such claim, suit or proceeding.
001 Debtorcc Inc reserves the right, at its own expense, to assume the exclusive
defense and control of any matter subject to indemnification by User. 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.
Section 7. User Information
001 Debtorcc Inc is committed to maintaining User privacy. 001 Debtorcc Inc does,
however, gather certain information that User provides to the Web Site. 001 Debtorcc
Inc believes that by collecting this information 001 Debtorcc Inc is able to provide
User with a personalized web experience, and to assist its own sales team and advertisers
in efficiently reaching an appropriate audience. The information 001 Debtorcc Inc
requests, is the minimum we believe necessary to achieve this goal. 001 Debtorcc
Inc may use the information it obtains relating to User, including User IP address,
name, mailing address, email address and use of the Web Site, for its internal business
and marketing purposes and may disclose the information to authorized third parties
for such purposes. For further details on 001 Debtorcc Inc's policies for using
Section 8. Payment
You may pay for your order by using Credit, Debit or a Pre-Paid Card (Visa, MasterCard,
American Express, Discover). The accepted methods of payment may change at 001 Debtorcc
Inc’s sole discretion. Your card will be authorized for the full amount of your
purchase at the time of your order. This may cause an immediate reduction in your
funds or increase in your credit line, even if your order is later canceled, as
the credit and debit card issuing banks release authorizations at their discretion.
Your credit or debit card is generally charged upon receipt of your order.
Section 9. Validating Order
After you place an order through the Debtorcc.org Website, we will check the information
you gave us for validity. We may require additional verifications or information
before accepting any order. We reserve the right to reject any order you place with
us, and/or to limit quantities on any order, for any or no reason whatsoever. If
we reject your order, we will generally attempt to notify you by using the contact
information you gave to us with your order. .
Section 10. Order Acceptance/Confirmation
Your receipt of an electronic or other form of order confirmation does not signify
our acceptance of your order, nor does it constitute confirmation of our offer to
sell. We reserve the right at any time after receipt of your order to accept or
decline your order for no or any reason whatsoever. You will not be charged if we
reject an order, but we will process a refund if a charge has been made against
you in error.
Section 11. Authority
By accessing, subscribing, downloading and/or otherwise using the Debtorcc.org,
you (a) certify that you are at least 18 years of age, and that, if you are acting
on the behalf of any person or entity, you are authorized to act on behalf of such
party, (b) have read this Agreement and have agreed to be legally bound by this
Agreement, and (c) agree to all operating rules and policies of Debtorcc.org that
may be published within this Website.
Section 12. General
All legal issues arising from or related to the use of the Web Site shall be construed
in accordance with and determined by the laws of the State of New Jersey applicable
to contracts entered into and performed within the State of New Jersey, without
respect to its conflict of laws principles. By using the Web Site, User agrees that
the exclusive forum for any claims or causes of action arising out of User's use
of the Web Site shall be either any state court for or within the State of New Jersey.
User hereby irrevocably waives, to the fullest extent permitted by law, any objection
which User may now or hereafter have to the laying of the venue of any such proceeding
brought in such a court and any claim that any such proceeding brought in such a
court has been brought in an inconvenient forum. If any provision of this Agreement
is found to be invalid by any court having competent jurisdiction, the invalidity
of such provision shall not affect the validity of the remaining provisions of this
Agreement, which shall remain in full force and effect. No waiver of any term of
this Agreement shall be deemed a further or continuing waiver of such term or any
other term. This Agreement constitutes the entire Agreement between User and 001
Debtorcc Inc with respect to the use of Web Site. Any changes to this Agreement
must be made in writing, signed by an authorized representative of 001 Debtorcc
Inc. The section headings used herein are for convenience only and shall not be
given any legal import.
This page states the Terms and Conditions (the "Specific Terms" or the "Agreement")
under which any User ("You") may use the 001 Debtorcc Web Site located at http://www.Debtorcc.org
(the "Web Site"). Please read this page carefully. By accessing and using the Web
Site, User accepts and agrees to be bound, without modification, limitation or qualification,
by both the General Terms & Conditions for use of the 001 Debtorcc site, and these
additional Member Terms. If User does not accept any of the Terms stated here, he/she
must not use the Web Site. The right to access and use the Web Site is not transferable
to any person or entity. 001 Debtorcc may, at its sole discretion, modify or revise
these Terms at any time by updating this posting. Users are bound by any such modification
or revision and should therefore visit the Terms & Conditions page periodically
to review the Terms. Each User is responsible for all use of his/her information
and is responsible for maintaining the confidentiality of his/her password. These
Specific Terms and Conditions incorporate the General Terms of Conditions of the
001 Debtorcc site by reference. Each User hereby understands that he/she is bound
by all General and Specific terms and conditions which may be implemented by 001
Debtorcc from time to time. YOUR USE OF THE WEB SITE CONSTITUTES YOUR AGREEMENT
TO ALL TERMS, CONDITIONS, AND NOTICES CONTAINED HEREIN OR OTHERWISE POSTED ON THE
Section 1 Submissions
All information, data, text, software, music, sound, photographs, graphics, video,
messages or any other materials whatsoever (collectively, "User Content"), whether
publicly posted or privately transmitted, are the sole responsibility of the person
from which such User Content originated. This means that the User, and not 001 Debtorcc
, is entirely responsible for all User Content that he or she uploads, posts, emails
or otherwise transmits via the Web Site. No User shall transmit User Content or
otherwise conduct or participate in any activities on the Web Site which, in the
opinion of 001 DEBTORCC INC's counsel, are prohibited by law in applicable jurisdictions,
including, without limitation, material or activities which (1) infringe any patent,
trademark, copyright, trade secret or other proprietary right of any party (the
"Rights"), unless User is the owner of the rights or has the express written permission
of the owner to post or transmit such material to the Web Site; (2) infringe on
any other intellectual property rights of others or on the privacy or publicity
rights of others; (3) is obscene, defamatory, threatening, harassing, abusive, hateful,
embarrassing or otherwise objectionable to another User or any other person or entity;
(4) is sexually-explicit; (5) is an advertisement or solicitation of business or
advocates an unsolicited or unrelated position or opinion; (6) represents any form
of "chain letters" or pyramid scheme; (7) impersonates another person or entity;
(8) intentionally or unintentionally violates any applicable local, state, national
or international law while using or accessing the Web Site or the Materials; or
(9) contains a virus, trojan, back door, logic bomb or any other form of malicious
code. User hereby waives all copyright, moral rights and any other right to any
User Content which he/she submits, and grants to 001 Debtorcc a royalty-free perpetual
irrevocable non-exclusive right and license to use, reproduce, modify adapt, publish,
translate perform, display and distribute such User Content, in whole or in part,
worldwide and/or to incorporate it in other works in any form, media or technology
now known or hereinafter developed for the full term of any copyright in such User
Content, and to sublicense such rights through multiple tiers of sublicensees. User
also hereby grant all other Users the right to copy, download and store his/her
User Content for User's personal use. 001 Debtorcc does not control User Content.
001 Debtorcc has the right but not the obligation to monitor submissions by Users,
and reserves the right to modify, move or remove any User Content at any time and
for any reason in its sole discretion, as well as the right to terminate User access
to the Website for any reason in its sole discretion including, without limitation,
foul language, attempted commercial use of the Web Site, threats, discriminatory,
racist or abusive language, or any behavior which is deemed objectionable by 001
DEBTORCC INC. Users are responsible for their own communications and are solely
responsible for the consequences of posting any User Content. 001 Debtorcc does
not screen communications in advance and is not responsible for screening or monitoring
material posted by Users. If notified by a User about communications that allegedly
do not conform to any term of this Agreement, 001 Debtorcc may investigate the allegation
and determine in good faith and its sole discretion whether to remove or request
the removal of the communication. 001 Debtorcc has no liability or responsibility
to Users for performance or non-performance of such activities. 001 Debtorcc reserves
the right, in its sole discretion, to restrict Users access to the Web Site for
violating this Agreement or the law. 001 Debtorcc also reserves the right at all
times to disclose any information as necessary to satisfy any applicable law, regulation,
legal process or governmental request, or to edit, refuse to post or to remove any
information or materials, in whole or in part, in 001 DEBTORCC INC's sole discretion.
001 Debtorcc Inc DOES NOT ENDORSE, SUPPORT, REPRESENT OR GUARANTEE THE TRUTHFULNESS,
ACCURACY, OR RELIABILITY OF ANY USER CONTENT OR ENDORSE ANY OPINIONS EXPRESSED BY
USERS. EACH USER ACKNOWLEDGES THAT ANY RELIANCE ON USER CONTENT POSTED BY OTHER
USERS WILL BE AT HIS/HER SOLE RISK. .
Section 2. Registration
To gain a greater level of access, User must be authorized by 001 Debtorcc Inc and
then once authorized, the User will select a password, and be assigned a User ID.
Each User is expressly prohibited from using another User's ID without such person's
authorization. Failure to comply with the foregoing shall constitute a breach of
this Agreement, which may result in immediate termination of that User's authorization.
Each User shall be solely responsible for maintaining the confidentiality of their
Each User shall notify 001 Debtorcc Inc of any known or suspected unauthorized use(s)
of his/her account, or any known or suspected breach of security, including loss,
theft, or unauthorized disclosure of his/her confidential information.
Section 3. Communication
001 Debtorcc Inc reserves the right to send User's electronic mail for the purpose
of informing Members of changes or additions to the Web Site, this Agreement and
any other service provided by 001 Debtorcc Inc.
If you have any questions or concerns please contact us at firstname.lastname@example.org.