ClearPoint Financial Solutions, Inc
8000 Franklin Farms Drive
Richmond, VA 23229-5004
Tel 804.222.4660 Fax 804.222.7720
www.ClearPointFS.Org
DISCLOSURE FORM FOR PRE-DISCHARGE BANKRUPTCY CLIENTS
Welcome! The purpose of this Personal Financial Management Instructional Course is to help provide you with the knowledge to make sound financial decisions in the future. The course will cover these main topics: Budget Development, Money Management, the Wise Use of Credit, and Consumer Information.
The self-study course is provided online via the Internet and is available 24 hours per day 7 days per week. It will take approximately 2 hours to complete this self-study course. You will be required to read the material and take short quizzes throughout the self-study. It is a requirement under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 that consumers spend an appropriate amount of time online studying the material to assure educational value. Financial Specialists will be available to respond to questions within one (1) business day should you need assistance. At the conclusion of the instructional course, you will be provided with a certificate of course completion. The certificate must be filed with the Bankruptcy Court.
ClearPoint Financial Solutions, Inc. (the COMPANY) is a member of the National Foundation for Credit Counseling (“NFCC”). The NFCC has high standards for quality credit counseling and financial education, and the COMPANY compiles with those standards. In addition, the COMPANY is accredited by the Council on Accreditation (“COA”), an independent third-party organization that reviews and monitors entities that provide social services. The COMPANY is a non-profit corporation which is conducting or supervising this course have been trained and certified in accordance with the NFCC standards, and have years of experience in credit counseling and consumer credit education. The Financial Specialists are required to maintain their certification by participating in training programs to enhance their skills as credit education professionals.
To help cover the cost of providing this course to you, the COMPANY charges a fee of $40.00 per person. This will be collected before beginning the course. In some circumstances, you may be eligible to have this fee waived in whole or in part. The course is offered without regard to a student’s ability to pay. The COMPANY may receive funding in the form of grants from entities that support financial counseling. The COMPANY does not pay or receive fees or other consideration for the referral of debtor students.
We will not disclose any personal or financial information that you provide 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 give us, but this information will not be disclosed in any manner that would personally identify you.