SafeGuard Credit Counseling Services Inc
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Post-Filing Debtor Education

Disclosures for Post-filing debtor education

Please read the following statements carefully so that you will understand the procedures for this session. Please sign your name after you have read this information.

SafeGuard Credit Counseling Services, Inc. has over 13 years of experience educating consumers and clients about money and credit. Our instructors have completed the certification program with The Center for Financial Certifications and are required to continue their education yearly to maintain this highly regarded certification. Our agency is a member of the Association of Independent Consumer Credit Counseling Agencies (AICCCA). The Association of Independent Consumer Credit Counseling Agencies has high standards for quality credit counseling and financial education, and our agency complies with those standards. In addition, our agency is certified by Bureau Veritas (BV) to meet the ISO 9001:2008 standards. BV is an independent third-party organization that reviews and monitors entities who provide social services.

SafeGuard is a non-profit agency. We are organized and operate in accordance with Section 501(c)(3) of the Internal Revenue Code. SafeGuard receives funding in the form of grants from banks and other financial institutions that support financial counseling. We do not pay or receive fees or other considerations for referrals of debtor students to our agency. SafeGuard is obligated to provide your certificate promptly upon completion of instruction, and we will do this within 3 business days upon the completion of your course. You will only receive your certificate upon completion of Post-filing debtor education. The Executive Office for the United States Trustee (EOUST) can potentially review debtor information as needed. The EOUST has only reviewed and approved Pre-filing credit counseling and Post-filing debtor education services.  SafeGuard does offer services to help with unsecured debt if needed.

Upon the completion of Money in Motion our agency will provide you a certificate of completion of an instruction course promptly; and no later than 3 business days from the completion of the Post-filing debtor education. You will only receive this certificate if you complete the Post-filing debtor education. You will need to provide us with your bankruptcy case number for this certificate.

We will ask you to voluntarily fill out basic demographic information. We will not disclose any such information that you provide orally or in writing to anyone, except as authorized by you in writing or as required by law, such as a response to a subpoena or the United States Trustee in their oversight of this agency of during the investigation of complaints, during on-site visits or during quality service reviews. We may compile data in aggregate form; however, your information will not be disclosed in any manner that would personally identify you.

To help cover the cost of providing the Post-filing debtor education to you, this agency charges a fee of $35.00 for a single and $50 if you are filing jointly, payable by debit/credit card. We do not accept personal checks. You may be eligible for a waiver of this fee based on your lack of ability to pay.  A waved fee is based on 150% of poverty guidelines updated periodically by the US Department of Health and Human Services. If you think you qualify for a waiver please call 850-434-0268 or Contact Us. As you proceed you will be asked a question about your household size and income. The counselor or the online program will notify you if you are eligible for a fee waiver.  If you are not eligible for a waiver your counselor will notify you and for online students you will proceed to the payment page where the fee is $35.00 for a single and $50 to file jointly. We do not charge a fee for the generation of your completion certificate.

FEE WAIVER CALCULATOR


This agency has a policy of prohibiting it from paying or receiving referral fees for the referral of clients, except under fair share agreement.  No fees are either paid or received by our agency for the referral of a client to a bankruptcy attorney or any bankruptcy alternative agency.

We do provide counseling services in both English and Spanish.  If you require an additional language please visit the US Trustee site.

If you are dissatisfied with the service provided by our agency you can utilize the Complaint Resolution Process.

The United State Trustee has reviewed only our credit counseling and personal financial management instructional course pursuant to 11 U.S.C. 111(d) and the US Trustees has neither reviewed or approved any other services we provide to clients.

I Agree and would like to continue

I Waive my right to a fee waiver and would like to continue

I Disagree and would like to return to the homepage

Pre-Filing Credit Counseling

Disclosures for Pre-filing credit counseling services

Please read the following statements carefully so that you will understand the procedures for this session. Please sign your name after you have read this information.

If you are seeking to file bankruptcy please call and speak with one of our certified bankruptcy counselors, our bankruptcy department can be reached at 1-800-673-6993 option 6.

SafeGuard Credit Counseling Services, Inc. has over 13 years of experience educating consumers and clients about money and credit. Our counselors have completed the certification program with The Center for Financial Certifications and are required to continue their education yearly to maintain this highly regarded certification. Our agency is a member of the Association of Independent Consumer Credit Counseling Agencies (AICCCA). The Association of Independent Consumer Credit Counseling Agencies has high standards for quality credit counseling and financial education, and our agency complies with those standards. In addition, our agency is certified by Bureau Veritas (BV) to meet the ISO 9001:2008 standards. BV is an independent third-party organization that reviews and monitors entities who provide social services.

SafeGuard is a non-profit agency. We are organized and operate in accordance with Section 501(c) (3) of the Internal Revenue Code. SafeGuard receives funding in the form of grants from banks and other financial institutions that support financial counseling. We do not pay or receive fees or other considerations for referrals of debtor students to our agency. SafeGuard is obligated to provide your certificate promptly upon completion of counseling/instruction, and we will do this within one business day upon the completion of your course. You will only receive your certificate upon completion of counseling. The Executive Office for the United States Trustee (EOUST) can potentially review client information as needed. The EOUST has only reviewed and approved Pre-filing credit counseling and Post-filing debtor education services.

If you are completing this process in-person or by phone your counselor will ask you questions about your budget, assets, creditors, and factors that led you to consider bankruptcy.  After reviewing all your information, your counselor will conduct an analysis of your financial situation and explore your options with you and develop an individualized action plan for dealing with them. If you complete this counseling in person your counselor will provide you copies of all this information.  If you are completing this process by phone your counselor will email, fax or send you copies of this information.

If you are taking this program online, the program will ask questions about your budget, assets, creditors and factors that led you to consider bankruptcy. There is a requirement by law that you must have interaction with your counselor in the counseling process. Your counselor will contact by phone, chat or email to ask questions about the information you provided. Your counselor will discuss the factors/reasons leading you to why you are considering bankruptcy, and review your budget, creditors and assets. Your counselor will conduct an analysis of your financial situation, explore all alternatives to resolve your credit problems, and develop an individualized written action plan for dealing with your situation. The quality of your counseling session does not depend upon whether you decide to file for bankruptcy or not.

In addition the quality of the counseling session will not be diminished if you are completing the counseling session by telephone. Once this is complete you will be notified by email to log back into the program where you can print copies of all this information.

At the conclusion of the counseling, you will be provided with a certificate that you will need, should you decide to file for bankruptcy. The certificate of completion will be issued no later than one business day after you complete the counseling session. You will only receive the certificate if you complete the entire session. There is no charge for generation of the certificate.  As an approved agency, this certificate is valid for 180 days after the date and time the counseling is completed.

A SafeGuard Credit Counseling certified consumer credit counselor will be conducting this session. While he/she has expertise in helping those with financial problems, he/she cannot provide you with legal advice. In fact, this session is designed to provide you with information and alternatives; it is not intended to take the place of a consultation with an attorney to explore your legal rights and options.

To help cover the cost of providing this session to you, this agency charges a fee. The cost is $35.00 for a single and $50.00 if you will file jointly, payable by debit/credit card. The fee is the same for both internet and phone counseling. You may be eligible for a waiver of this fee based on your lack of ability to pay.  A waived fee is based on 150% of poverty guidelines updated periodically by the US Department of Health and Human Services. If you think you qualify for a waiver please call 850-434-0268 or Contact Us. If you are charged a fee and during the counseling process we find that you should have had your fee waived, then the counselor will notify you and a refund to you will be issued within 1 week. The $50.00 fee includes any fees associated with generation of the certificate.

FEE WAIVER CALCULATOR

Upon completion of your bankruptcy counseling session, you will be provided a certificate (within one business day after completion of the session) that you need for the next step in your process. The bankruptcy counseling certificate is valid for up to 180 days from the completion of the counseling session.

Counseling in Motion is an online session. This online session will take at minimum 60 minutes in duration. Counseling in Motion will require verification of the person who is taking this course prior to course commencement and before completion of the course. After completing the course you will have personal interaction with one of our certified bankruptcy counselors who will review with you the factors that caused your current conditions and help you develop a plan to respond to any further financial problems.

In order to assist you, it is essential that you provide us with information that is as accurate and complete as possible. For that reason, we may ask you to authorize us to access your credit history.  Your credit report is not impacted by obtaining counseling through our agency and our agency will not disclose or provide any information about this counseling session to a credit reporting agency.  Rest assured that the information concerning your financial condition and status that you provide during this session is strictly confidential.  Such information would include, but is not limited to, income, debts, credit accounts, earnings, assets, and employment data.  We will not disclose any such 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 or to the United States Trustee in their oversight of this agency or during the investigation of complaints, during on-site visits or during quality service reviews.

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.

As one of your options, you have the opportunity to negotiate an alternative payment schedule with regard to each unsecured consumer debt. If you should decide to enter into a Debt Management Plan ("DMP"), in which our agency can provide, (which will be explained in the course of this session) you will be provided with separate agreement and disclosure forms. If you choose to use a DMP you may incur additional fees which would be explained to you should you be interested in this program.

If you choose to file for bankruptcy, you should know that your bankruptcy will affect your credit report. A bankruptcy does not delete accurate information off of your credit report regarding your past delinquencies. A bankruptcy is a matter of public record and will be reported in the public section of your credit report. A bankruptcy will have a negative effect on your credit report and credit score. A potential creditor, landlord, or employer in the future may view this negatively. Depending on the type of bankruptcy you file, a bankruptcy may remain on your credit report for 7 to 10 years.

If, after your session, you choose to enroll in a Debt Management program (DMP), participation in a debt management program may change information which is already on your credit report. If your credit report shows that you have paid your accounts as agreed in the past, a Debt Management Program could have a negative impact on a creditworthiness decision by a potential creditor, landlord, or employer in the future.

Our agency has a policy of prohibiting it from paying or receiving referral fees for the referral of clients, except under a fair share agreement. No fees are either paid or received by our agency for the referral of a client to a bankruptcy attorney or any bankruptcy alternative agency.

We do provide counseling in both English and Spanish, should you require another language please visit the US Trustee site.

If you are dissatisfied with the service provided by our agency you can utilize the Complaint Resolution Process.

The United State Trustee has reviewed only our credit counseling and personal financial management instructional course pursuant to 11 U.S.C 111(d) and the US Trustees has neither reviewed or approved any other services we provide to clients.

If at any time you need to speak with one of our certified bankruptcy counselors please call 1-800-673-6993 option 6 or email your question to us. If you have any problems logging back into your account after you have enrolled click here and enter your username and password.

Before you proceed any further you must enter your information into the FEE WAIVER CALCULATOR.  If you have not already done so please click here to enter your information FEE WAIVER CALCULATOR, once this is complete you can continue on.

I have read and understand the information on qualifying for a fee waiver. I agree and would like to continue.

 

I Disagree and would like to return to the homepage

Bankruptcy Counseling

Debt can be extremely overwhelming; however, declaring bankruptcy may be your best option. As of October 17, 2005 you must get Pre-filing credit counseling from a government approved organization within six months before you file for bankruptcy protection. SafeGuard Credit Counseling is approved by the United States Department of Justice to perform both Pre-filing credit counseling and Post-filing debtor education. SafeGuard Credit Counseling is a non profit 501 c 3 organization and is approved to issue certificates evidencing completion of a Pre-filing credit counseling and Post-filing debtor education in compliance with the bankruptcy code.  Approval does not endorse or assure the quality of our agency's services.

Online Courses Available:
Pre-Filing Credit Counseling
Post-Filing Debtor Education

Student Loan Help

SafeGuard is a non-profit counseling company that can help you with your Federal Student Loans. Our certified counselors will work with you to find strategies to help you pay off your student loan debt faster. We do a thorough analysis of your budget to discover a plan that will benefit you.

Do you want to find a way to pay down your student loan debt faster? Do you want to find out what options are out there that might benefit you?  Click below and fill in your information, we will contact you promptly for an in depth analysis.



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This is a paid service, not affiliated with the U.S. Department of Education.  Services may be filed for at no cost through the U.S. Department of Education.

Credit Counseling

After a thorough review of your information provided during your Free Debt Analysis counseling session your counselor may recommend our Debt Management Program (DMP).  On a DMP we will work with your creditors to possibly:

  • Reduce or eliminate your interest
  • Waive late or over the limit fees
  • Lower your payments
  • Consolidate your debt into one simple and affordable payment
  • Get you out of debt in 5 years or less!!

All the specific benefits of a DMP will be clearly explained to you by your certified credit counselor after the Free Debt and Budget Analysis.  Your counselor will be happy to answer any questions or concerns you may have during this time.

The DMP simplifies the process of paying your bills.  One monthly payment is sent to us and we disperse the appropriate amount to your creditors.  You will always continue to receive your monthly credit card statements in the mail, so you can monitor all of your accounts.  After a little while, you will notice on the statements that your balances are going down!!

SafeGuard provided ongoing education and counseling services while you are enrolled in our Debt Management Plan.  We also have a tremendously helpful Client Care Department which will provide courteous and prompt service to you when handling your accounts.

We will only offer the option of a Debt Management Plan if it is the RIGHT solution for you!!

Click on the button below to set up an appointment for your Free Debt and Budget Analysis and get started right now!!


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Agency’s Debt Management License number in the State of Maryland is: 14-52
The Commissioner of Financial Regulation for the State of Maryland will accept questions and complaints from Maryland residents regarding SafeGuard Credit Counseling Services, Inc., License number 14-52,  at 500 N. Calvert St., Suite 402, Baltimore, MD 21202. Phone: 1-888-784-0136.

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SafeGuard Credit

Counseling Services, Inc

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  • “You all helped to save my life, I cannot thank you enough. Words cannot express how grateful I am for all you did for me. I was $30,000 in debt and I could not see a way out, I was so stressed out. God blessed me with you…I will remember you and stay in prayer.”
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