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Post-Bankruptcy Debtor Education

Post-Bankruptcy Debtor Education Disclosure

Disclosure for Post-Bankruptcy Debtor Education Services

Northwest Michigan Community Action Agency (NMCAA) has been serving Northwest Michigan since 1974. This agency is a member of the Association of Independent Consumer Credit Counseling Agencies (AICCCA). The AICCCA has high standards for quality credit counseling and financial education, and this agency complies with those standards. NMCAA is also a charter member of NeighborWorks® America. We are a non-profit community action agency operating in accordance with Section 501(c)(3) of the Internal Revenue Code.

You have the option of taking Money in Motion, our post-bankruptcy debtor education program, online.  We also offer a post-bankruptcy debtor education program in-person.  Please call (800) 632-7334 to schedule an appointment to complete the program in-person.  Our Financial Management Services (FMS) Department has been doing financial management education for over thirteen years. Our counselors cannot provide you with legal advice.  For online students, please email any questions you have regarding Money in Motion to bstricker@nmcaa.net

Upon the completion of Money in Motion our agency will provide you a certificate of completion of an instruction course promptly; and no later than 3 business days from the completion of the instructional course.  You will only receive this certificate if you complete the program. You will need to provide us with your bankruptcy case number for this certificate. 

We require you to fill out basic demographic information.  We will not disclose any such information that you provide orally or in writing to anyone, except as authorized by you in writing or as required by law, such as a response to a subpoena or the United States Trustee in their oversight of this agency of during the investigation of complaints, during on-site visits or during quality service reviews. We may compile data in aggregate form; however, your information will not be disclosed in any manner that would personally identify you.

To help cover the cost of providing this online program to you, this agency charges a fee of $25.00 payable through PayPal.  We do not accept personal checks.  The fee is the same for a single filer or joint filers if they are members of the same household and both attend/complete the course together.  You may be eligible for a waiver of this fee based on your lack of ability to pay.  A waved fee is based on 150% of poverty guidelines updated periodically by the US Department of Health and Human Services. If you think you qualify for a waiver please click the link at the bottom of the page. As you proceed you will be asked a question about your household size and income. The online program will notify you if you are eligible for a fee waiver.  If you are not eligible for a waiver will proceed to the payment page where the fee is $25.00. The $25.00 fee includes any fees associated with generation of the certificate.

This agency has a policy of prohibiting it from paying or receiving referral fees for the referral of clients. No fees are either paid or received by our agency for the referral of a client to a bankruptcy attorney or any bankruptcy alternative agency.

We do not provide bilingual services or professional interpreter assistance to any limited English proficient clients.  To find an organization that provides these services please go to the USTrustee site at:  http://www.justice.gov/ust/eo/bapcpa/ccde/de_approved.htm.

If you are dissatisfied with the service provided by our agency you can utilize the Complaint Resolution Process.

The United State Trustee has reviewed only our credit counseling and personal financial management instructional course pursuant to 11 U.S.C. 111(d) and the US Trustees has neither reviewed or approved any other services we provide to clients.

blue_arrow.jpg  I Agree and would like to continue to the fee waiver check.

blue_arrow.jpg  I would like to waive my right to a fee waiver and will purchase the program.

blue_arrow.jpg  I Disagree and would like to return to the homepage.

This page last updated on 8/9/2017.