New Credit Card rules effective Feb 22, 2010

The Federal Reserve’s new rules for credit card companies mean new credit card protections for you. Here are some key changes you should expect from your credit card company beginning on February 22, 2010:

What your credit card company has to tell you

  • When they plan to increase your rate or other fees. Your credit card company must send you a notice 45 days before they can
    • increase your interest rate;
    • change certain fees (such as annual fees, cash advance fees, and late fees) that apply to your account; or
    • make other significant changes to the terms of your card.

    If your credit card company is going to make changes to the terms of your card, it must give you the option to cancel the card before certain fee increases take effect. If you take that option, however, your credit card company may close your account and increase your monthly payment, subject to certain limitations.

    For example, they can require you to pay the balance off in five years, or they can double the percentage of your balance used to calculate your minimum payment (which will result in faster repayment than under the terms of your account).

    The company does not have to send you a 45-day advance notice if

    • you have a variable interest rate tied to an index; if the index goes up, the company does not have to provide notice before your rate goes up;
    • your introductory rate expires and reverts to the previously disclosed “go-to” rate;
    • your rate increases because you are in a workout agreement and you haven’t made your payments as agreed.
  • How long it will take to pay off your balance. Your monthly credit card bill will include information on how long it will take you to pay off your balance if you only make minimum payments. It will also tell you how much you would need to pay each month in order to pay off your balance in three years. For example, suppose you owe $3,000 and your interest rate is 14.4%–your bill might look like this:
    New balance $3,000.00
    Minimum payment due $90.00
    Payment due date 4/20/12

    Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a $35 late fee and your APRs may be increased up to the Penalty APR of 28.99%.

    Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example:

    If you make no additional charges using this card and each month you pay. . . You will pay off the balance shown on this statement in about. . . And you will end up paying an estimated total of. . .
    Only the minimum payment 11 years $4,745
    $103 3 years $3,712
    (Savings = $1,033)

New rules regarding rates, fees, and limits

  • No interest rate increases for the first year. Your credit card company cannot increase your rate for the first 12 months after you open an account. There are some exceptions:
    • If your card has a variable interest rate tied to an index; your rate can go up whenever the index goes up.
    • If there is an introductory rate, it must be in place for at least 6 months; after that your rate can revert to the “go-to” rate the company disclosed when you got the card.
    • If you are more than 60 days late in paying your bill, your rate can go up.
    • If you are in a workout agreement and you don’t make your payments as agreed, your rate can go up.
  • Increased rates apply only to new charges. If your credit card company does raise your interest rate after the first year, the new rate will apply only to new charges you make. If you have a balance, your old interest rate will apply to that balance.
  • Restrictions on over-the-limit transactions. You must tell your credit card company that you want it to allow transactions that will take you over your credit limit. Otherwise, if a transaction would take you over your limit, it may be turned down. If you do not opt-in to over-the-limit transactions and your credit card company allows one to go through, it cannot charge you an over-the-limit fee.
    • If you opt-in to allowing transactions that take you over your credit limit, your credit card company can impose only one fee per billing cycle. You can revoke your opt-in at any time.
  • Caps on high-fee cards. If your credit card company requires you to pay fees (such as an annual fee or application fee), those fees cannot total more than 25% of the initial credit limit. For example, if your initial credit limit is $500, the fees for the first year cannot be more than $125. This limit does not apply to penalty fees, such as penalties for late payments.
  • Protections for underage consumers. If you are under 21, you will need to show that you are able to make payments, or you will need a cosigner, in order to open a credit card account.
    • If you are under age 21 and have a card with a cosigner and want an increase in the credit limit, your cosigner must agree in writing to the increase.

Changes to billing and payments

  • Standard payment dates and times. Your credit card company must mail or deliver your credit card bill at least 21 days before your payment is due. In addition:
    • Your due date should be the same date each month (for example, your payment is always due on the 15th or always due on the last day of the month).
    • The payment cut-off time cannot be earlier than 5 p.m. on the due date.
    • If your payment due date is on a weekend or holiday (when the company does not process payments), you will have until the following business day to pay. (For example, if the due date is Sunday the 15th, your payment will be on time if it is received by Monday the 16th before 5 p.m.).
  • Payments directed to highest interest balances first. If you make more than the minimum payment on your credit card bill, your credit card company must apply the excess amount to the balance with the highest interest rate. There is an exception:
    • If you made a purchase under a deferred interest plan (for example, “no interest if paid in full by March 2012”), the credit card company may let you choose to apply extra amounts to the deferred interest balance before other balances. Otherwise, for two billing cycles prior to the end of the deferred interest period, the credit card company must apply your entire payment to the deferred interest-rate balance first.
  • No two-cycle (double-cycle) billing. Credit card companies can only impose interest charges on balances in the current billing cycle.

Disclaimer:

Credit cards issued primarily for business or commercial purposes generally are not governed by the consumer protections in the Truth in Lending Act or the amendments to that act in the Credit Card Accountability, Responsibility, and Disclosure Act of 2009.

Credit Counseling Courses and Financial Management Courses : Kansas (KS) USA

Financial Management Instructional Courses /Debtor Education Agencies Name,  Website , Courses Offered & Languages Supported  Debtor Education Agencies   address
1st Choice Credit Counseling & Financial Education a/k/a DBSM, Inc.         Website – www.mybknow.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 2049 Marco Drive
Camarillo, CA  93010 
877-692-5669
1st Choice Credit Counseling & Financial Education a/k/a DBSM, Inc.         Website – www.mybknow.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 2049 Marco Drive
Camarillo, CA  93010 
877-692-5669
A 123  Credit Counselors, Inc         Website – www.a123cc.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 703 Waterford Way (NW 62nd Ave.)
Suite 220
Miami, FL  33126 
305-269-9201
A 123  Credit Counselors, Inc         Website – www.a123cc.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 703 Waterford Way (NW 62nd Ave.)
Suite 220
Miami, FL  33126 
305-269-9201
A 123  Credit Counselors, Inc         Website – www.a123cc.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 703 Waterford Way (NW 62nd Ave.)
Suite 220
Miami, FL  33126 
305-269-9201
Abacus Credit Counseling         Website – www.abacuscc.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 15760 Ventura Boulevard
Suite 700
Encino, CA  91436 
800-516-3834
Abacus Credit Counseling         Website – www.abacuscc.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 15760 Ventura Boulevard
Suite 700
Encino, CA  91436 
800-516-3834
Advisory Credit Management, Inc.         Website – www.advisorycreditmanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 5769 West Sunrise Blvd.
Plantation, FL  33313 
800-786-3940
Advisory Credit Management, Inc.         Website – www.advisorycreditmanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 5769 West Sunrise Blvd.
Plantation, FL  33313 
800-786-3940
Allen Credit and Debt Counseling Agency         Website – www.acdcas.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 195 Brook Street 
Wessington, SD  57381 
888-415-8173
Allen Credit and Debt Counseling Agency         Website – www.acdcas.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 195 Brook Street 
Wessington, SD  57381 
888-415-8173
Alliance Credit Counseling, Inc.         Website – www.knowdebt.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 13777 Ballantyne Corporate Pl.
Suite 100
Charlotte, NC  28277 
888-594-9596
Alliance Credit Counseling, Inc.         Website – www.knowdebt.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 13777 Ballantyne Corporate Pl.
Suite 100
Charlotte, NC  28277 
888-594-9596
American Consumer Credit Counseling, Inc.         Website – www.ConsumerCredit.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 130 Rumford Avenue
Suite 202
Newton, MA  02466 
866-826-6924
American Consumer Credit Counseling, Inc.         Website – www.ConsumerCredit.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 130 Rumford Avenue
Suite 202
Newton, MA  02466 
866-826-6924
Biblical Financial Concepts, Inc.         Website – www.biblicalfinancialconcepts.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 124 Oak Ridge Drive
Oneonta, AL  35121 
205-421-1590
Biblical Financial Concepts, Inc.         Website – www.biblicalfinancialconcepts.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 124 Oak Ridge Drive
Oneonta, AL  35121 
205-421-1590
Biblical Financial Concepts, Inc.         Website – www.biblicalfinancialconcepts.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 124 Oak Ridge Drive
Oneonta, AL  35121 
205-421-1590
BKEDCERT.com a d/b/a of Pacific Rim Institute for Development  and Education, Inc.   dba BKEdCert.com      Website – www.bkedcert.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 6230 Wilshire Blvd.
Suite 1763
Los Angeles, CA  90048 
800-845-7171
Black Hills Children’s Ranch, Inc.         Website – www.pioneercredit.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1644 Concourse Drive
Rapid City, SD  57703 
605-348-1608
Black Hills Children’s Ranch, Inc.         Website – www.pioneercredit.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1644 Concourse Drive
Rapid City, SD  57703 
605-348-1608
Black Hills Children’s Ranch, Inc.         Website – www.pioneercredit.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1644 Concourse Drive
Rapid City, SD  57703 
605-348-1608
CCCS of Ventura County, Inc. / SurePath Financial Solutions         Website – www.surepath.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 80 North Wood Road
Suite 200
Camarillo, CA  93010 
877-615-7873
CCCS of Ventura County, Inc. / SurePath Financial Solutions         Website – www.surepath.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Mandarin 80 North Wood Road
Suite 200
Camarillo, CA  93010 
877-615-7873
CCCS of Ventura County, Inc. / SurePath Financial Solutions         Website – www.surepath.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Yue/Cantonese 80 North Wood Road
Suite 200
Camarillo, CA  93010 
877-615-7873
CCCS of Ventura County, Inc. / SurePath Financial Solutions         Website – www.surepath.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 80 North Wood Road
Suite 200
Camarillo, CA  93010 
877-615-7873
Children’s and Family Service d/b/a Family Service Agency         Website – www.familyserviceagency.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 535 Marmion Avenue
Youngstown, OH  44502 
330-782-5664
Colorado Credit Counselors         Website – www.cocredit.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 8650 Fairall Road
Morrison, CO  80465 
303-551-5599
Community Credit Counselors, Inc.         Website – www.bankruptcyinfo.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 101 N. Lynnhaven Road
Suite 303
Virginia Beach, VA  23452-7523 
800-531-5124
Community Credit Counselors, Inc.         Website – www.bankruptcyinfo.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 101 N. Lynnhaven Road
Suite 303
Virginia Beach, VA  23452-7523 
800-531-5124
Comprehensive Credit Counseling of Rural Services of Indiana, Inc.         Website – www.comprehensivecreditcounseling.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 60918 US 31 South
South Bend, IN  46614 
800-288-6581
ConsumerBankruptcyCounseling.info, a Project of the Tides Center   Consumer Bankruptcy Counseling Project, a Project of the Tides Center      Website – www.tidescenter.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A  
Consumer Credit Counseling of Springfield, Missouri, Inc.         Website – www.cccsoftheozarks.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1515 S. Glenstone
Springfield, MO  65804 
417-889-7474
Consumer Credit Counseling of Springfield, Missouri, Inc.         Website – www.cccsoftheozarks.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1515 S. Glenstone
Springfield, MO  65804 
417-889-7474
Consumer Credit Counseling Service, Inc.         Website – www.kscccs.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1201 W. Walnut
Salina, KS  67401 
785-827-6731
Consumer Credit Counseling Service, Inc.         Website – www.kscccs.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1201 W. Walnut
Salina, KS  67401 
785-827-6731
Consumer Credit Counseling Service, Inc.         Website – www.kscccs.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1201 W. Walnut
Salina, KS  67401 
785-827-6731
Consumer Credit Counseling Service, Inc.         Website – www.kscccs.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1201 W. Walnut
Salina, KS  67401 
785-827-6731
Consumer Credit Counseling Service, Inc.         Website – www.kscccs.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1201 W. Walnut
Salina, KS  67401 
785-827-6731
Consumer Credit Counseling Service, Inc.         Website – www.kscccs.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1201 W. Walnut
Salina, KS  67401 
785-827-6731
Consumer Credit Counseling Service, Inc.         Website – www.kscccs.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1201 W. Walnut
Salina, KS  67401 
785-827-6731
Consumer Credit Counseling Service of Greater San Antonio   CCCSSA      Website – www.cccssa.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 6851 Citizens Parkway
Suite 100
San Antonio, TX  78229 
210-979-4300
Consumer Credit Counseling Service of Greater San Antonio         Website – www.cccssa.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 6851 Citizens Parkway
Suite 100
San Antonio, TX  78229 
210-979-4300
Consumer Credit Counseling Service of Greater San Antonio   CCCSSA      Website – www.cccssa.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 6851 Citizens Parkway
Suite 100
San Antonio, TX  78229 
210-979-4300
Consumer Credit Counseling Service of Orange County   Consumer Credit Counseling Service of Orange County      Website – www.cccsoc.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1920 Old Tustin Avenue
Santa Ana, CA  92832 
888-289-8230
Consumer Credit Counseling Service of Orange County   Consumer Credit Counseling Service of Orange County      Website – www.cccsoc.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1920 Old Tustin Avenue
Santa Ana, CA  92832 
888-289-8230
Consumer Credit Counseling Service of Rochester, Inc.         Website – www.cccsroch.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 50 Chestnut Plaza
Rochester, NY  14604 
888-724-2227
Consumer Credit Counseling Service of Rochester, Inc.         Website – www.cccsroch.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 50 Chestnut Plaza
Rochester, NY  14604 
888-724-2227
Consumer Credit Counseling Service of San Francisco         Website – www.cccssf.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 595 Market Street
Suite 1500
San Francisco, CA  94105 
800-777-7526
Consumer Credit Counseling Service of San Francisco         Website – www.cccssf.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 595 Market Street
Suite 1500
San Francisco, CA  94105 
800-777-7526
Consumer Credit Counseling Service of San Francisco         Website – www.cccssf.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 595 Market Street
Suite 1500
San Francisco, CA  94105 
800-777-7526
Consumer Credit Counseling Service of the Midwest, Inc.         Website – www.cccservices.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 4500 East Broad Street
Columbus, OH  43213 
800-355-2227
Consumer Credit Counseling Service of the Midwest, Inc.         Website – www.cccservices.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 4500 East Broad Street
Columbus, OH  43213 
800-355-2227
Consumer Credit Counseling Service of the Midwest, Inc.   Consumer Credit Counseling Service of Greater Kansas City      Website – www.cccservices.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 4500 East Broad Street
Columbus, OH  43213 
800-355-2227
Consumer Credit Counseling Service of the Midwest, Inc.         Website – www.cccservices.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 4500 East Broad Street
Columbus, OH  43213 
800-355-2227
Consumer Credit Counseling Service of the Midwest, Inc.         Website – www.cccservices.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 4500 East Broad Street
Columbus, OH  43213 
800-355-2227
Consumer Credit Counseling Service of West Florida, Inc.   Allvista Solutions      Website – www.cccswfl.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 14 Palafox Place
Pensacola, FL  32502 
800-434-0268
Consumer Credit Counseling Service of West Florida, Inc.         Website – www.cccswfl.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 14 Palafox Place
Pensacola, FL  32502 
800-434-0268
Consumer Financial Education Foundation of America, Inc.   CFEFA      Website – www.cfefa.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 2 North 20th Street 
Suite 1030
Birmingham, AL  35203 
205-321-2822
Consumer Financial Education Foundation of America, Inc.   CFEFA      Website – www.cfefa.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 2 North 20th Street 
Suite 1030
Birmingham, AL  35203 
205-321-2822
CredAbility, Consumer Credit Counseling Service of Greater Atlanta, Inc.         Website – www.credAbility.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 270  Peachtree Street NW
Suite 1800
Atlanta, GA  30303 
866-672-2227
CredAbility, Consumer Credit Counseling Service of Greater Atlanta, Inc.         Website – www.credAbility.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 270  Peachtree Street NW
Suite 1800
Atlanta, GA  30303 
866-672-2227
Credit Advisors Foundation         Website – www.creditadvisors.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1818 South 72nd Street
Omaha, NE  68124 
402-393-3100
Credit Advisors Foundation         Website – www.creditadvisors.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Korean 1818 South 72nd Street
Omaha, NE  68124 
402-393-3100
Credit Advisors Foundation         Website – www.creditadvisors.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1818 South 72nd Street
Omaha, NE  68124 
402-393-3100
Credit Advisors Foundation         Website – www.creditadvisors.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Thai 1818 South 72nd Street
Omaha, NE  68124 
402-393-3100
Credit Advisors Foundation         Website – www.creditadvisors.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1818 South 72nd Street
Omaha, NE  68124 
402-393-3100
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Korean 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Russian 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Tagalog 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Vietnamese 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015 
866-719-0400
Debt Education and Certification Foundation         Website – www.debt-foundation.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 112 Goliad Street
Suite D
Benbrook, TX  76126 
866-859-7323
Debt Education and Certification Foundation         Website – www.debt-foundation.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 112 Goliad Street
Suite D
Benbrook, TX  76126 
866-859-7323
Debt Education and Certification Foundation         Website – www.debt-foundation.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 112 Goliad Street
Suite D
Benbrook, TX  76126 
866-859-7323
DebtorWise Foundation         Website – www.debtorwise.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1310 Honeoye Falls Road
#6
Honeoye Falls, NY  14472 
585-385-6699
Debt Reduction Services, Inc.         Website – www.debtreductionservices.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 6213 N. Cloverdale Road
Suite 100
Boise, ID  83713 
208-378-0200
Debt Reduction Services, Inc.         Website – www.debtreductionservices.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 6213 N. Cloverdale Road
Suite 100
Boise, ID  83713 
208-378-0200
Family Financial Education Foundation         Website – www.ffef.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 724 Front Street
Suite 340
Evanston, WY  82930 
307-789-2010
Financial Fitness Services, Inc.         Website – financialfitnessservices.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1226 Linn Street
Suite C
Sikeston, MO  63801 
888-471-9737
Financial Fitness Services, Inc.         Website – financialfitnessservices.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1226 Linn Street
Suite C
Sikeston, MO  63801 
888-471-9737
Forbes & Newhard Credit Solutions, Inc.         Website – forbescs.us :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 7505 Tiffany Springs Parkway
Suite 130
Kansas City, MO  64153 
816-442-7036
Garden State Consumer Credit Counseling, Inc., d/b/a Novadebt         Website – www.novadebt.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 225 Willowbrook Road
Freehold, NJ  07728 
732-409-6281
Garden State Consumer Credit Counseling, Inc., d/b/a Novadebt         Website – www.novadebt.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 225 Willowbrook Road
Freehold, NJ  07728 
732-409-6281
Granite Lake Educational Resources         Website – www.backtogo.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Bosnian/Croatian/Serbian 111 West Cataldo
Suite 200
Spokane, WA  99201 
509-325-2511
Granite Lake Educational Resources         Website – www.backtogo.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :German 111 West Cataldo
Suite 200
Spokane, WA  99201 
509-325-2511
Granite Lake Educational Resources         Website – www.backtogo.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 111 West Cataldo
Suite 200
Spokane, WA  99201 
509-325-2511
Granite Lake Educational Resources         Website – www.backtogo.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Bosnian/Croatian/Serbian 111 West Cataldo
Suite 200
Spokane, WA  99201 
509-325-2511
Granite Lake Educational Resources         Website – www.backtogo.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :German 111 West Cataldo
Suite 200
Spokane, WA  99201 
509-325-2511
Granite Lake Educational Resources         Website – www.backtogo.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 111 West Cataldo
Suite 200
Spokane, WA  99201 
509-325-2511
GreenPath, Inc.         Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Arabic 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Armenian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Bosnian/Croatian/Serbian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Hakka 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Mandarin 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Min Nan/Taiwanese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Wu 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Xiang 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Yue/Cantonese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Dutch 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Farsi (Persian) 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :French 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :German 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Greek 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Gujarathi 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Haitian Creole 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Hebrew 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Hindi 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Hmong 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Hungarian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Italian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Japanese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Korean 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Laotian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Marshallese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Mon-Khmer, Cambodian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Navajo 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Other, Africa 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Other, Americas 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Other, Asia 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Other, Europe 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Other, Pacific 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Polish 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Portuguese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Russian 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Sinhala 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Swedish 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Tagalog 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Thai 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Urdu 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Vietnamese 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Yiddish 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
GreenPath, Inc.         Website – www.greenpathbk.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429 
800-630-6718
Housing and Credit Counseling, Inc.         Website – www.hcci-ks.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1195 SW Buchanan, Suite 101
Topeka, KS  66604 
785-234-0217
Housing and Credit Counseling, Inc.         Website – www.hcci-ks.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1195 SW Buchanan, Suite 101
Topeka, KS  66604 
785-234-0217
Housing and Credit Counseling, Inc.         Website – www.hcci-ks.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1195 SW Buchanan, Suite 101
Topeka, KS  66604 
785-234-0217
Housing and Credit Counseling, Inc.         Website – www.hcci-ks.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1195 SW Buchanan, Suite 101
Topeka, KS  66604 
785-234-0217
Housing and Credit Counseling, Inc.         Website – www.hcci-ks.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1195 SW Buchanan, Suite 101
Topeka, KS  66604 
785-234-0217
Hummingbird Credit Counseling and Education, Inc.         Website – www.hbcce.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 3737 Glenwood Avenue
Suite 100
Raleigh, NC  27612 
800-645-4959
Hummingbird Credit Counseling and Education, Inc.         Website – www.hbcce.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 3737 Glenwood Avenue
Suite 100
Raleigh, NC  27612 
800-645-4959
InCharge Education Foundation, Inc.         Website – www.inchargefoundation.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 5750 Major Blvd
Suite 310
Orlando, FL  32819 
866-729-0049
InCharge Education Foundation, Inc.         Website – www.inchargefoundation.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 5750 Major Blvd
Suite 310
Orlando, FL  32819 
866-729-0049
Institute for Financial Literacy, Inc.   dba – IFL      Website – www.financiallit.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 449 Forest Avenue
Portland, ME  04101 
207-879-0389
Institute for Financial Literacy, Inc.         Website – www.financiallit.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 449 Forest Avenue
Portland, ME  04101 
207-879-0389
iPayDebt Financial Services, Inc. d/b/a Cornerstone Financial Education         Website – www.ipaydebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 3011 North Lamar Boulevard
Austin, TX  78705 
512-263-0532
iPayDebt Financial Services, Inc. d/b/a Cornerstone Financial Education         Website – www.ipaydebt.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 3011 North Lamar Boulevard
Austin, TX  78705 
512-263-0532
Mo-Kan Credit Counseling Agency, Inc.         Website – www.mokancca.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method –  :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both : 4550 Belleview Avenue
2nd Floor
Kansas City, MO  64111 
913-599-7880
Money Management International, Inc.         Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
Money Management International, Inc.         Website – www.moneymanagement.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719 
(877) 964-2227
MoneySharp Credit Counseling Inc.         Website – www.moneysharp.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 2713 N. Central Park
Chicago, IL  60647 
866-200-6825
National Financial Literacy Foundation, Inc.   bkclass.com      Website – www.learnfinances.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 555 Winderley Place
Suite 300
Maitland, FL  32751 
877-380-6353
National Financial Literacy Foundation, Inc.         Website – www.learnfinances.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 555 Winderley Place
Suite 300
Maitland, FL  32751 
877-380-6353
SK Foundation         Website – www.myonlinebankruptcyclass.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 60 E. Hopkins Road
Gilbert, AZ  85295 
877-376-7122
Springboard Nonprofit Consumer Credit Management, Inc.         Website – www.bkhelp.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 4351 Latham Street
Riverside, CA  92501 
951-781-0114
Springboard Nonprofit Consumer Credit Management, Inc.         Website – www.bkhelp.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 4351 Latham Street
Riverside, CA  92501 
951-781-0114
Take Charge America, Inc.         Website – www.takechargeamerica.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 20620 North 19th Avenue
Phoenix, AZ  85027-3585 
623-266-6100
The Kingdom Ministries, Inc.         Website – www.thekingdomministries.com :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 6094 Apple Tree Drive
Suite 11
Memphis, TN  38115 
901-552-5131
The Mesquite Group, Inc.         Website – www.themesquitegroup.org :      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 600 Six Flags Drive
Suite 400
Arlington, TX  76011 
817-769-4069
   

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