Register for the Bankruptcy Course Need help? Call (704) 341-1010 from 9 am to 5:30 pm M-F or email us. Please note that we are not currently providing bankruptcy certifications in North Carolina or Alabama. DISCLOSURE AND CONSENT*YOU MUST REVIEW AND ACKNOWLEDGE THIS DISCLOSURE STATEMENT. IN ORDER TO REVIEW IN FULL, YOU MUST SCROLL DOWN TO REVIEW THE ENTIRE CONTENT. NORTH CAROLINA OR ALABAMA RESIDENTS – PLEASE NOTE THAT WE ARE NOT CURRENTLY PROVIDING BANKRUPTCY CERTIFICATIONS IN NORTH CAROLINA OR ALABAMA. PRE-PETITION BUDGET BRIEFING & PRE-DISCHARGE DEBTOR EDUCATION DISCLOSURE STATEMENT Alliance Credit Counseling, Inc. (Alliance) is a non-profit organization which provides professional personal finance education, confidential counseling, and debt reduction programs. Clients have the opportunity to negotiate an alternate payment schedule for unsecured consumer debts and Alliance can provide this service including impacts on consumer credit reports. Pre-Petition Budget Briefing is available by phone; Pre-Petition Budget Briefing and Pre-Discharge Debtor education are available through the Internet via the organizations website located at www.knowdebt.org. Services are available to anyone without regard to race, religion, national origin, gender, age, or ability to pay. All Debtor information is held in strict confidence by Alliance in compliance with the Gramm- Leach–Bliley Privacy Act, except as authorized for release by the Debtor, or as may be required from the United States Trustee. FUNDING SOURCES Alliance receives the majority of its funding from the following sources: Fees paid by Debtor for counseling services and education programs offered to the public. Grants from private foundations and corporations who support our counseling and educational services and programs, and from government agencies. Voluntary “fairshare” contributions from some creditors related to debt management plans administered by Alliance. Alliance does not receive referral fees for the referral of Debtor under a fair share agreement. Alliance does not pay or receive fees or other consideration for the referral of Debtors. INSTRUCTOR/COUNSELOR QUALIFICATIONS All instructors/counselors are Alliance employees and most work full-time for the organization. Instructor/counselor obtain financial counseling certification through an approved third-party institution prior to providing counseling. Instructor/counselor comply with all continuing education requirements necessary to maintain certification. Only certified instructor/counselor are allowed to provide the required counseling and education, and to issue the Certificate of Completion. IMPACT ON CREDIT REPORT Alliance does not disclose or provide, to a credit reporting agency, information concerning whether an individual Debtor has received or sought credit counseling or instruction concerning personal financial management from the organization. Entering a debt management plan could have a negative impact on your credit. Bankruptcy has a negative impact on a credit profile and is reported for 7 to 10 years, in most cases. NO LEGAL OR TAX ADVICE Although a counselor may answer general questions about bankruptcy, Alliance does not provide legal or tax advice. If legal or tax advice is needed, you should seek the appropriate assistance from a qualified attorney or tax professional. LIMITED ENGLISH PROFICIENCY Individuals who do not speak English as their primary language or who have difficulty understanding English, may request communication in another language at no charge. Alliance will provide communication in the requested language if it has a counselor or translator available, otherwise it will promptly provide a referral to another appropriate provider. COST OF SERVICES Alliance charges fees for some services to cover the cost of providing the service. These fees include any postage, shipping, handling, and materials. The fee is due and payable at the time of the service. We accept VISA or MasterCard, branded debit cards, Money-Gram, money orders, and cashier checks. FEE SCHEDULE Pre-Petition Budget Briefing: Pre-Discharge Debtor Education: Individual or Joint Session Online $19 Individual of Joint Session Online $19 Individual or Joint Session Telephone $49 Debtor presumptively lacks the ability to pay the fee if the Debtor’s household 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 (https://aspe.hhs.gov/poverty-guidelines). Alliance does not offer telephonic Pre-Discharge education. Alliance does not offer IN PERSON counseling or briefing or education for Pre-Petition or Pre-Discharge. POWERS OF ATTORNEY Powers of Attorney are accepted by Alliance in limited circumstances. Please contact your attorney or Bankruptcy Administrator in regards to the Voluntary Petition for Individuals Filing Bankruptcy – Official Form 101. CERTIFICATE OF COMPLETION Alliance is approved to issue a certificate evidencing completion of a credit counseling briefing and/or personal financial management course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a provider’s services. Alliance determines when a Debtor’s counseling/course has been completed, which includes a minimum duration of 60 minutes for the budget briefing session, and 120 minutes for the debtor education course. Alliance is obligated to promptly provide an appropriate certificate of completion to each individual no later than one business day after completing the budget briefing session, and no later than three business days after completing the debtor education course. Certificates are issued regardless of ability to pay. ADDITIONAL INFORMATION The organization might disclose Debtor information to the United States Trustee in connection with the United States Trustee’s oversight of the organization, or during the investigation of complaints, during on- site visits, or during quality of service reviews; The fact that the United States Trustee has reviewed the organizations credit counseling (pursuant to 11 U.S.C. 111(c)), and the personal financial management instructional course (pursuant to 11 U.S.C. 111(d)), and the fact that the United States Trustee has neither reviewed nor approved any other services the organization provides to debtors; and the fact that a Debtor will only receive certificate if debtor completes instruction [Section 6] [28 C.F.R. § 58.33(k)(9)]. I have reviewed and agree to the to the above disclosure. Email Address (Preferred) or Create a Login Name Create a Password* Enter Password Confirm Password Strength indicator 8 characters minimum, at least one number and at least one letter. Your InformationFiling Status* Single (Individual Fee, Not Married only one person filing) Married Filing Jointly, Living in Same Household (Joint Fee, both spouses filing) Married Filing Jointly, Living in Separate Households (Individual Fee, separate registration is required) Married Filing Single (Individual Fee, Only one spouse filing) Marital Status* Single Married First & Last Name* First Last Date Of Birth*Month123456789101112Day12345678910111213141516171819202122232425262728293031Year2025202420232022202120202019201820172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989198819871986198519841983198219811980197919781977197619751974197319721971197019691968196719661965196419631962196119601959195819571956195519541953195219511950194919481947194619451944194319421941194019391938193719361935193419331932193119301929192819271926192519241923192219211920Last 4 Digits of Social Security Number* Last 4 digitsSpouseSpouse First & Last Name* Spouse First Spouse Last Spouse Date Of Birth*Month123456789101112Day12345678910111213141516171819202122232425262728293031Year2025202420232022202120202019201820172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989198819871986198519841983198219811980197919781977197619751974197319721971197019691968196719661965196419631962196119601959195819571956195519541953195219511950194919481947194619451944194319421941194019391938193719361935193419331932193119301929192819271926192519241923192219211920Spouse Social Security Number* Last 4 digitsGeneral InformationDo you own Real Estate?*YesNoNumber Of Vehicles:*Please enter a number from 0 to 5.Reason For Filing*Reason For FilingStop ForeclosureEliminate Legal Obligation to Pay DebtsPrevent RepossessionReduce or Eliminate Medical BillsRecent Loss of EmploymentStop Harassment from CreditorsRestore or Prevent Utility ShutoffStop Wage GarnishmentsChallenge Claims of Fraudulent CreditorsDeclined To AnswerWho will need to receive a certificate?* Myself My Attorney How would you like to receive the certificate?* Email Fax US Mail How would you like your attorney to receive the certificate?* Email Fax 🛑 WE ARE NOT CURRENTLY PROVIDING CERTIFICATES IN ALABAMA OR NORTH CAROLINA. 🛑 🛑 DO NOT CONTINUE. 🛑 AddressALABAMA and NORTH CAROLINA RESIDENTS – PLEASE NOTE THAT WE ARE NOT CURRENTLY PROVIDING BANKRUPTCY CERTIFICATIONS IN NORTH CAROLINA OR ALABAMA.Address* Street Address City StateAlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code 🛑 WE ARE NOT CURRENTLY PROVIDING CERTIFICATES IN ALABAMA OR NORTH CAROLINA. 🛑 🛑 DO NOT CONTINUE. 🛑 ContactPhone*The best number to reach you.Cell PhoneFaxEmail AttorneyAttorney Name Attorney Email Attorney PhoneAttorney FaxAttorney Code (Optional code provided to you by your attorney) Disclosure DISCLOSURE STATEMENT Alliance is a non-profit organization dedicated to providing professional personal finance education, confidential counseling, and debt reduction programs. Clients have the opportunity to negotiate an alternate payment schedule for unsecured consumer debts and Alliance can provide this service. Counseling and education are available in person and by phone; additionally, education is available through the Internet. Services are available to anyone without regard to race, religion, national origin, gender, age, or ability to pay. All client information is held in strict confidence by Alliance in compliance with the Gramm-Leach-Bliley Privacy Act, except as authorized for release by the client, or as may be required from the United States Trustee. FUNDING SOURCES – Alliance receives the majority of its funding from the following sources: • Fees paid by clients for counseling services and education programs offered to the public. • Grants from private foundations and corporations who support our counseling and educational services and programs, and from government agencies. • Voluntary “fair share” contributions from some creditors related to debt management plans administered by Alliance. • Alliance does not pay or receive fees or other consideration for the referral of clients. COUNSELOR QUALIFICATIONS – All counselors are Alliance employees and most work full-time for the organization. Counselors obtain financial counseling certification through an approved third-party institution prior to providing counseling. Counselors comply with all continuing education requirements necessary to maintain certification. Only certified counselors are allowed to provide the required counseling and education, and to issue the Certificate of Completion. IMPACT ON CREDIT REPORT – Alliance does not disclose or provide, to a credit reporting agency, information concerning whether an individual client has received or sought credit counseling or instruction concerning personal financial management from the organization. Bankruptcy has a negative impact on a credit profile and is reported for 7 to 10 years, in most cases. NO LEGAL OR TAX ADVICE – Although a counselor may answer general questions about bankruptcy, Alliance does not provide legal or tax advice. If legal or tax advice is needed, you should seek the appropriate assistance from a qualified attorney or tax professional. LIMITED ENGLISH PROFICIENCY – Individuals who do not speak English as their primary language or who have difficulty understanding English, may request communication in another language at no charge. Alliance will provide communication in the requested language if it has a counselor or translator available, otherwise it will promptly provide a referral to another appropriate provider. COST OF SERVICES – Alliance charges fees for some services to cover the cost of providing the service. These fees include any postage, shipping, handling, and materials. The fee is due and payable at the time of the service. We accept VISA or MasterCard branded debit cards, Money-Gram, money orders and cashier checks. POWERS OF ATTORNEY – Powers of Attorney are accepted by Alliance in limited circumstances. Please contact your attorney or Bankruptcy Administrator in regards to the Voluntary Petition for Individuals Filing Bankruptcy – Official Form 101. FEE SCHEDULE: Pre-Petition Budget Briefing Online $19.00 Individual $19.00 Joint Telephone $49.00 Individual $49.00 Joint FEE SCHEDULE: Pre-Discharge Debtor Education Online $19.00 Individual $19.00 Joint A review of your circumstances during the budget briefing may determine that you are eligible for a reduced or waived fee. For example, Alliance will reduce or waive the fees for those whose household income is less than 150% of the estimated poverty threshold for their applicable family size as published by the Bureau of the Census. The fee may also be reduced or waived based on the debtor’s budget analysis or other mitigating criteria. See details here. CERTIFICATE OF COMPLETION – Alliance is approved to issue a certificate evidencing completion of a credit counseling briefing and/or personal financial management course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a provider’s services. Alliance determines when a client’s counseling/course has been completed, which includes a minimum duration of 60 minutes for the budget briefing session, and 120 minutes for the debtor education course. Alliance will provide an appropriate Certificate of Completion to each individual no later than one business day after completing the budget briefing session, and no later than three business days after completing the debtor education course. Certificates are issued regardless of ability to pay. The certificate issued to you by Alliance will expire 180 days from the date of certification. I have Read and Agree with the Disclosure Statement:*ChooseYes I agreeNo I disagreeElectronic Signature* By typing your name in the box on the right, you are effectively signing this Disclosure Statement. Your name in the box signifies you understand that it constitutes as your signature.Spouse's Electronic Signature* By typing your name in the box on the right, you are effectively signing this Disclosure Statement. Your name in the box signifies you understand that it constitutes as your signature.Bankruptcy Case Number* CourseCourse* Price: HiddenCouponTotal $0.00 Credit Card * American ExpressDiscoverMasterCardVisa Card Number CVV Expiration Date Postal Code Credit Card* American ExpressMasterCardVisaSupported Credit Cards: American Express, MasterCard, Visa Card Number Month010203040506070809101112 Year20242025202620272028202920302031203220332034203520362037203820392040204120422043 Expiration Date Security Code Cardholder Name Card Holders Billing Address Same Different Address Street Address City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code By clicking next you are about to process a debit/credit card payment in the amount of $19.