Disclosure Letter

Welcome! We understand that you are here because you have experienced financial problems, and that you have begun the bankruptcy process and are required to complete this course as a condition of discharge.

This agency has over 39 years of experience of helping people with financial challenges. Our role is not to be judgmental, but to provide education. Specifically, this course will help you understand how to prepare a personal/family budget, analyze your financial situation, discuss factors that may contribute to financial problems, and help you explore options for developing a reasonable plan for a successful financial future. It is our view that the purpose of this seminar is to provide you with information and tools you need to successfully navigate life's financial challenges. At the conclusion of this seminar you will be provided with the documentation that you will need to complete your bankruptcy filing.

Consumer Credit Counseling Service of Orange County (CCCS-OC) is a member of the National Foundation for Credit Counseling (NFCC). The NFCC has high standard for quality credit counseling and financial education, and this agency compiles with those standards. In addition, this agency is accredited by the Council on Accreditation (COA), and independent third-party organization that reviews and monitors entities that provide social services. CCCS-OC is a non-profit agency, organized and operated in accordance the Section 501(c)3 of the Internal Revenue Code.

The CCCS Education Facilitator conducting this seminar has been trained in the course work provided, and while he/she has expertise in helping people overcome financial challenges, he/she cannot provide you with legal advice. This seminar is not intended to take the place of a consultation with an attorney.

In order to assist you, it is essential that you provide us with all necessary identification information. Rest assured that the identifying information you provide is kept strictly confidential. We will not disclose any such information orally or in writing to anyone, except as authorized by you in writing or as required by law, such as in response to a subpoena. We may compile data and aggregate information that you provide, but this information will not be disclosed in a manner that would personally identify you. Additionally this agency will not disclose or provide any information about your attendance to this seminar to any credit-reporting agency. CCCS-OC is committed to the privacy of the information our clients provide.

To help cover the cost of providing this seminar to you, CCCS-OC charges a fee of $50.00 per person. Payments will be accepted in the form of money orders and cashiers checks at the main office only, or by debit card in the main office or on the CCCS-OC website. In limited circumstances, you may be eligible to have this fee waived.

This agency also receives funding in the form of grants form entities and individuals that support financial literacy education, state and federal governmental agencies and creditors. A significant portion of funding for CCCS-OC comes form voluntary contributions from creditors who participate in the Debt Management Program (DMP) at CCCS-OC, a voluntary program that allows clients to repay their debts. Since creditors have a financial interest in having debts repaid, most are willing to make a contribution to help fund the overall services of CCCS-OC including counseling and education programs.

By making a payment I certify that I have read and understand the disclosures made above.

If you need more information about the Pre-Discharge On-line Bankruptcy Education please call customer service at 1-800-213-2227 Ext. 128.