Disclosures

1. Fee Policy

The total cost of our second bankruptcy course is $19.95 per household, which includes:

  • Course Fee: $19.95 (covers instructional course and materials).

We do not offer optional services, upsells, or additional fees beyond this charge.

Payment and Refund Policy:

  • Accepted Payment Methods: Credit Cards (Visa, Mastercard, American Express, Discover), Apple Pay, Bank Check Cards, and Attorney Billing Code.
  • Refunds: Full refunds are available only before the course has started and before a certificate has been generated. Refund requests must be made within 3 months of payment at https://bankruptcylogic.com/contact.
  • No refunds will be provided after a certificate has been issued.

2. Fee Waiver Policy

Bankruptcy Logic offers a free or reduced-cost course for individuals who cannot afford to pay. If your household income is below 150% of the Federal Poverty Guidelines, you may qualify. To apply, complete a waiver form and submit documentation such as pay stubs, public assistance proof, or unemployment statements. Waivers must be approved before registration. We review requests within 2 business days.

Eligibility Criteria:

Fee waiver eligibility is determined using the current U.S. Federal Poverty Guidelines, which are available at:
https://aspe.hhs.gov/poverty-guidelines

Debtors whose household income is less than 150% of the federal poverty guidelines may qualify for a full or partial fee waiver. Eligibility is assessed on a case-by-case basis, taking into account:

  • Monthly income and household size
  • Necessary living expenses
  • Amount paid to an attorney or petition preparer for the bankruptcy case
  • Discretionary or non-essential spending
  • Other relevant financial hardship factors

Application & Verification Process:

To apply for a fee waiver, debtors must complete a waiver request form and submit documentation of their financial situation. Acceptable forms of documentation include:

  • Recent pay stubs
  • Social Security or unemployment benefit letters
  • Proof of public assistance

Applications are reviewed within 2 business days, and results are provided via email.

Note: Waivers must be approved before registration and payment. Fee waivers cannot be applied retroactively after a payment has been submitted.

Limitations:

Fee waivers apply only to the base course fee. They do not apply to any optional services, upgrades, or additional products offered by Bankruptcy Logic.

3. Accessibility & Bilingual Support

  • Non-English language assistance and course content are available for free.
  • Vision-impaired accommodations: A free audio version, in English only, is available with all course lessons.

4. Instructor Qualifications

All instructors are certified financial counselors with expertise in financial planning, bankruptcy education, and credit counseling.

  • Instructors may answer general questions about bankruptcy but cannot provide legal or tax advice.
  • If you need legal assistance, consult a qualified bankruptcy attorney.

5. Referral Fee Policy & Financial Relationships

Bankruptcy Logic does not accept or pay referral fees to attorneys, bankruptcy petition preparers, trustees, or any third parties.

  • No financial relationships, agreements, or referral arrangements exist between our company and bankruptcy professionals.

6. Certificate Issuance & Filing

  • Bankruptcy Logic has the obligation to issue certificates promptly upon the completion of the instructional course.
  • Certificates are only issued to participants who fully complete the instructional course.
  • The provider does not withhold the issuance of a certificate based on the debtor’s failure to pay for any product or service other than the instructional course.
  • Debtors are responsible for verifying that their and their attorney’s contact information is accurate and up to date to ensure timely receipt of their certificate.

7. Disclosure of Debtor Information & Privacy

  • Bankruptcy Logic does not sell debtor information to third parties.
  • Bankruptcy Logic might disclose debtor information to the United States Trustee in connection with the United States Trustee’s oversight of the provider, or during the investigation of complaints, during on-site visits, or during quality of service reviews.
  • No information is reported to Credit Reporting Agencies, ensuring no negative impact on credit scores.

8. Legal Disclaimer – No Legal Advice Provided

Bankruptcy Logic’s instructional course is strictly for educational purposes.

  • We do not provide legal, tax, or financial advice.
  • Our instructors and staff cannot offer legal counsel, interpret bankruptcy laws, or advise on specific bankruptcy cases.
  • If you need legal assistance, consult a qualified bankruptcy attorney.
  • The United States Trustee has reviewed only the provider’s instructional course. The United States Trustee has neither reviewed nor approved any other services Bankruptcy Logic provides to debtors.

9. Debtor Complaint Process

If you have a complaint about us, you may contact the United States Trustee Program by calling (202) 514–4100, by emailing ust.CCDE.complaint.help@usdoj.gov or by sending a written complaint to:

Executive Office for U.S. Trustees
Attn: Credit Counseling and Debtor Education
441 G Street, NW, Suite 6150
Washington, DC 20530

Complaints may relate to course content, instructor conduct, customer service, or any other aspect of your experience.

10. United States Trustee Approval Statement

Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a provider’s services.

Additional Policies & Contact Information

  • Course Availability: Online 24/7. Support available Monday – Friday, 9:00 a.m. to 5:00 p.m. EST.
  • Privacy & Confidentiality: All participant data is kept confidential.
  • For questions or concerns, contact us: