Before filing bankruptcy, you must first complete a required pre-filing credit counseling session. The online price is $25 for individual or joint filers.
***For optimal performance, we recommend you use a desktop computer or laptop.
InCharge Debt Solutions is required to disclose the following information prior to each Pre-Petition Bankruptcy Counseling Session:
- InCharge is a non-profit agency and is tax-exempt under Section 501(c)(3) of the Internal Revenue Code.
- InCharge credit counselors are trained and certified in accordance with National Foundation for Credit Counseling (NFCC) standards.
- InCharge does not provide information about your counseling session to credit reporting agencies.
- The Pre-Petition Bankruptcy Counseling Internet session fee is $25 for single filers and $25 for joint filers. The Pre-Petition Bankruptcy Counseling Telephonic session fee is $50 for single filers and $50 for joint filers.
- Payments are accepted online or over the phone. We accept major credit cards, debit cards, money orders, and ACH (electronic checks).
- InCharge provides services without regard to a client’s ability to pay. You may be eligible for a reduced fee or fee waiver upon written verification of your household income. Waiver or reduction of the fee will be assessed based on 150% of the Federal Poverty Level Guidelines last published by the United States Department of Health and Human Services (DHHS) for the size of your household and your financial circumstances. InCharge may also waive the fee if your attorney represents you pro bono.
- Do not include non-cash governmental assistance (such as food stamps or housing subsidies) when calculating monthly gross income.
- Include the income of your spouse to calculate monthly gross income whether or not a joint petition is filed, unless you are separated from your spouse and a joint petition is not filed.
- To receive a fee waiver you are required to provide documentation of pro bono service or proof of gross monthly income. Acceptable documents that can be used as proof of income include income tax returns or W2s, employer letter, 3 most recent pay stubs, unemployment certificate, a statement of benefits obtained from the government or Social Security Administration or leave and earnings statement from the military. Proof for pro bono service requires a letter from your attorney stating the reason for providing the pro bono service.
If you are eligible for a fee waiver you will be prompted to complete a waiver form. Please forward the form along with one of the items of proof above to:
InCharge Debt Solutions
ATTN: Fee Waivers
5750 Major Blvd., Suite 300
Orlando, Florida 32819
Registration instructions will be sent to you by email or by the method specified on your waiver form.
- InCharge receives funding in the form of donations and contributions from entities that support financial education.
- InCharge does not pay or receive fees or other consideration for Pre-Petition Bankruptcy Counseling Program referrals.
- You have the opportunity to negotiate an alternative payment schedule or debt management plan for your unsecured debt. InCharge does not provide this service and may refer you to another agency for this service. You may incur additional fees in connection with a debt management plan.
- The United States Trustee has oversight of InCharge’s Pre-Petition Bankruptcy Counseling services. Your information may be disclosed to the United States Trustee in the ordinary course of this oversight, during the investigation of any complaints, during on-site visits or during quality of service reviews.
- The United States Trustee has reviewed InCharge’s Pre-Discharge Debtor Education course and InCharge’s Pre-Petition Bankruptcy Counseling service but has not reviewed or approved other services offered by InCharge.
- InCharge provides bilingual counseling services in Spanish without additional charge.
- After you complete your counseling session, including a certification session with an InCharge counselor, InCharge will fax, mail or email a copy of your certificate of completion to the person you requested during registration. You are solely responsible for following up with your attorney to ensure that the certificate has been received by your attorney. InCharge will not be liable for certificates that are lost during transmission; however, we will resend the certificate at your request.