Advisory Credit Management, Inc. (ACM/Provider) is approved to issue certificates evidencing completion of a credit counseling briefing and/or personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of the Provider’s services.

Cost of Services

Advisory Credit Management, Inc. charges fees for some services to cover the cost of providing the service. Advisory Credit Management, Inc. charges a fee for both the Pre-Petition Credit Counseling Briefing and issuance of the Certificate and for Compliance that is required to be filed with the Bankruptcy Court. The fee is due and payable at the time of service.

The fee for this service is no more than the client’s ability to pay and no more than $50. If you are unable to pay the fee, the counseling will be provided at a reduced fee or at no charge if you are determined impoverish as described in the Fee Waiver disclosure below. We accept VISA, MasterCard, Amex, and VISA or MasterCard branded debit cards.

Maximum Fee Schedule:

Pre-Filing Bankruptcy Credit Counseling Pre-Discharge Debtor Education (provided by ACM) Package
Individual Online Session $30 $49 $69
Joint Online Session $30 $49 $69
Individual Telephonic Session $50 N/A N/A
Joint Telephonic Session $50 N/A N/A

Although a counselor may answer general questions about bankruptcy, the agency does not provide legal or tax advice. If legal or tax advice is needed, you should seek the appropriate assistance from an attorney or tax professional.

Fee Waiver

Advisory Credit Management, Inc, agrees to waive their respective fees if the client or debtor student has income less than 150 percent of the poverty guidelines last published by the United States Department of Health and Human Services (DHHS) http://aspe.hhs.gov/poverty/10poverty.shtml applicable to a family of the size and in the state involved.

PLEASE NOTE:

  1. The income for comparison to the poverty guidelines is the "Total Combined Monthly Income" as reported (or as will be reported) on Line 16 of Schedule I of the bankruptcy petition.

  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.
Please contact Advisory Credit Management, Inc., Customer Service Line at 1-800-786-3940 to see if you qualify for a waiver.

To arrange for a waiver, please forward a written request for the waiver along with evidence of any and all income to:


Advisory Credit Management, Inc. ATTN: Fee Waivers
Email info@advisorycreditmanagement.org
Mail: 5769 West Sunrise Blvd, Plantation, FL 33313


* Disclosure Regarding the Purchase of Multiple Products and the Purchase of Debtor Education Prior to filing bankruptcy

The Congressional intent of requiring debtors to receive a pre-filing credit counseling briefing prior to filing bankruptcy is to provide debtors with the opportunity to be presented with all bankruptcy and non-bankruptcy alternatives before deciding whether or not to proceed with bankruptcy. After receiving your pre-filing briefing from an agency, you may decide not to proceed with bankruptcy, in which case you will not ever need to take a pre-discharge educational course. Even if you decide to file bankruptcy, if you file a Chapter 13 bankruptcy, you may not need a pre-discharge educational course for a few years, or not at all if your case is dismissed prior to discharge. Nonetheless, Advisory Credit Management, Inc. has agreed to provide you with a discount on the purchase price of a pre-discharge educational course if you also have, at any time, purchased a pre-filing credit counseling briefing through www.advisorycreditmanagement.org ., even though the educational course may not be needed until the end of the bankruptcy case, or, in some circumstances, not at all. Please be advised that:

  1. You may return to www.advisorycreditmanagement.org at any time after you take your credit counseling briefing and purchase the Advisory Credit Management, Inc. educational course at a discounted rate. You need not purchase the educational course at the same time as the briefing in order to receive a discount.
  2. Subject to the exceptions set forth below, the amounts paid by you for a credit counseling briefing are generally nonrefundable and you must obtain your certificate within 180 days following your purchase. After 180 days following purchase, if you have not obtained your certificate, you will be deemed to have abandoned the process and to have forfeited the purchase price to Advisory Credit Management and to have waived your right to any return of the purchase price.
  3. If you do purchase the educational course at the same time as the briefing and later decide NOT to file for bankruptcy, you should contact Advisory Credit Management, Inc. for a full refund of your educational course fee.
  4. If you do purchase the educational course at the same time as the briefing and later decide to file a Chapter 13 bankruptcy, you should immediately contact Advisory Credit Management, Inc. for a full refund of your educational course fee, as you may not need to take a pre-discharge educational course for a few years (or not at all if your Chapter 13 is dismissed before discharge), or the course may be offered for free by your Chapter 13 trustee.


Advisory Credit Management, Inc.
ATTN: Fee Waivers
Email info@advisorycreditmanagement.org
Mail: 5769 West Sunrise Blvd, Plantation, FL 33313