Disclosures

1. Fee Policy

The total cost of our second bankruptcy course is $33.90 per household, which includes:

  • Course Fee: $13.95 (covers instructional course and materials).
  • Court Filing Fee: $19.95 (Fee for filing the completion certificate with the bankruptcy court. This fee is not optional).

Both fees are required for all participants. We do not offer optional services, upsells, or additional fees beyond these two charges.

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 provides access to our courses regardless of financial status.

Eligibility Criteria for Fee Waivers:

Household IncomeWaiver Type
Below 100% of federal poverty guidelinesFull Fee Waiver
Between 100%-150% of federal poverty guidelines50% Fee Reduction

Additional Considerations for Partial Waivers:

  • Paid $500 or more to an attorney for bankruptcy services.
  • Spending $200 or more per month on non-essential expenses.

Application & Verification Process:

  • Debtors must submit income documentation (e.g., pay stubs, Social Security benefits, or proof of government assistance).
  • Application review time: 2 business days. Results will be sent via email.
  • Fee waivers must be approved before payment is made. Once a payment is processed, waivers cannot be applied retroactively.

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

  • Certificates are issued immediately upon course completion.
  • Court filing is mandatory and included in the total course fee.
  • Debtors are responsible for ensuring that their and their attorney’s contact information is accurate for certificate delivery.

7. Disclosure of Debtor Information & Privacy

  • Bankruptcy Logic does not sell debtor information to third parties.
  • Information may be disclosed only to the United States Trustee for regulatory oversight, complaints, on-site visits, or quality 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.

9. Completion Requirement for Certificate

  • Certificates are issued only to participants who fully complete the instructional course.
  • Debtors are responsible for verifying their information to ensure timely receipt of their certificate.

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: