Consumer Education Services, Inc. (CESI), d/b/a Start Fresh Today (SFT) Disclosures

Consumer Education Services, Inc. (CESI), doing business as Start Fresh Today (SFT), is a provider of both the Pre-Bankruptcy Credit Counseling and the Post-Bankruptcy Personal Finance Debtor Education course, each service approved and delivered in accordance with the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. These interactive courses fulfill your BAPCPA Credit Counseling and Debtor Education Course requirements. Only upon completion of this briefing will Consumer Education Services, Inc. (CESI), d/b/a Start Fresh Today (SFT), issue you the required bankruptcy certificate. It is your responsibility to ensure that your attorney has received your certificate by the date required for your filing.

Consumer Education Services, Inc.'s (CESI), d/b/a Start Fresh Today (SFT), Pre-Bankruptcy Credit Counseling is offered to provide a review of your budget and options, one of which may be bankruptcy. Consumer Education Services, Inc.'s (CESI), d/b/a Start Fresh Today (SFT), does not offer legal advice or opinions on the suitability or availability of bankruptcy as an option for you. While we may describe or define bankruptcy terms in general, at no time will we make any determination about the applicability of such terms or scenarios to your specific circumstances.

Federal law requires that Consumer Education Services, Inc. (CESI), d/b/a Start Fresh Today (SFT), make the following disclosures to you.

Disclosures for Pre-filing Credit Counseling

*Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services


Fee Schedule:

Pre-Filing Credit Counseling
Online Session - $24.99 (Individual & Joint)
Telephone Session - $34.99 (Individual & Joint)


Fee Waiver

Consumer Education Services, Inc. (CESI), d/b/a Start Fresh Today (SFT), agrees to review each consumer's or debtor student's circumstances to determine eligibility for a fee waiver. If the consumer or debtor student has income less than 150 percent of the applicable poverty guideline as published by the United States Department of Health and Human Services (DHHS) (http://aspe.hhs.gov/poverty/15poverty.cfm) for the 48 contiguous states, their fee may be reduced or waived.

PLEASE NOTE:

  1. The income provided during your counseling session will be used for comparison to the poverty guidelines.
  2. Non-cash governmental assistance (such as food stamps or housing subsidies) is not included in calculating debtor income.
  3. The income of a spouse is included in calculating income whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.
  4. The income of any other family member of the household is also included.
  5. Household income and household size are also used in the waiver determination process and must be provided for consideration of a fee waiver.

If you do not agree to the preceding disclosures, do not order the course, or arrange for a refund by contacting us at:



Consumer Education Services, Inc. (d/b/a Start Fresh Today)
3700 Barrett Drive
Raleigh, NC 27612
Customer Service: (800) 435-9138
E-mail: info@startfreshtoday.com

 

Disclosures Pre-Discharge Personal Financial Management Instruction Courses (Debtor Education)

*Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services


Fee Schedule:

Post-Filing Debtor Education
Online Session - $21.99 (Individual & Joint)
Telephone Session - $34.99 (Individual & Joint)


Fee Waiver

Consumer Education Services, Inc. (CESI), d/b/a Start Fresh Today (SFT), agrees to review each consumer's or debtor student's circumstances to determine eligibility for a fee waiver. If the consumer or debtor student has income less than 150 percent of the applicable poverty guideline as published by the United States Department of Health and Human Services (DHHS) (http://aspe.hhs.gov/poverty/15poverty.cfm) for the 48 contiguous states, their fee may be reduced or waived.


Please Note:

  1. The income provided during your counseling session will be used for comparison to the poverty guidelines.
  2. Non-cash governmental assistance (such as food stamps or housing subsidies) is not included in calculating debtor income.
  3. The income of a spouse is included in calculating income whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.
  4. The income of any other family member listed on Schedule I as a dependent also is included.
  5. Household income and household size are also used in the waiver determination process. If you are completing the Debtor Education Course, you have the right to opt out of providing such household information for consideration of a waiver.

If you do not agree to the preceding disclosures, do not order the course, or arrange for a refund by contacting us at:


Consumer Education Services, Inc. (d/b/a Start Fresh Today)
3700 Barrett Drive
Raleigh, NC 27612
Customer Service: (800) 435-9138
E-mail: info@startfreshtoday.com