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Personal Financial Management Educational Course Disclosure
People who are filing for bankruptcy are required to receive “debtor education services” before filing. Goodwill Industries of North Central Wisconsin, Inc. (Goodwill NCW, We or Us) provides practical financial education on a variety of financial topics. The Personal Financial Management Course explains how to decide between needs and wants, develop skills to reach your financial goals, develop a budget that works, and much more.
- We charge a fee of $0-$25 per person which includes the generation of the certificate.
- The fee will be waived if your current income is less than 150 percent of the poverty guidelines updated periodically in the Federal Register by the U.S. Department of Health and Human Services under the authority of 42 U.S.C. 9902(2), as adjusted from time to time, for a household or family of the size involved in the fee determination. Please ask us if you have questions about these income levels. No one is turned away if they cannot afford to pay.
- We provide free bilingual instruction or professional interpreter assistance to any limited English proficient client.
- The consumer credit counselor conducting or supervising this session has been trained and certified in accordance with the National Association of Certified Credit Counselors (NACCC) standards, and while he/she has expertise in helping those with financial problems, he/she cannot provide you with legal advice. In fact, this session is designed to provide you with information and alternatives; it is not intended to take the place of a consultation with an attorney to explore your legal rights and options.
- We do not pay or receive referral fees for the referral of clients.
- It is our obligation to provide a certificate to the client, promptly upon completion of an instructional course, no later than one business day after completion of course and shall issue certificates only in the form approved by the United States Trustee and only from the Certificate Generating System maintained by the United States Trustee.
- We may disclose client information to the United States Trustee in connection with the oversight of the agency, or during the investigation of complaints, during on-site visits, or during
- quality-of-service reviews.
- The United States Trustee has reviewed only the providers instructional course and credit counseling services and has neither reviewed nor approved any other services the agency provides to clients.
- The client will receive a certificate only if the client completes an instructional course.
We are a non-profit agency. We are organized and operating in accordance with Section 501(c)(3) of the Internal Revenue Code. By clicking “Agree” you are confirming that you have read and understand the disclosures above.