MANDATORY CLIENT DISCLOSURES

Biblical Financial Concepts, Inc. d/b/a Stand Sure Credit Counseling (SSCC) provides credit briefing services as its primary service. SSCC has been approved by the United States Bankruptcy Trustee’s to provide these services. No other services SSCC may provide have been approved by the Trustee’s office.

Please read this disclosure policy carefully before using the Stand Sure Credit Briefing service. By using any such services you are acknowledging that you have read and understand this policy and that you agree to be bound by its terms. If you do not agree to be bound by its terms please exit out of this page without accessing our web site or any of our services.


Fees for services:


Service

Fee

Internet presentation of material

Free

Downloadable / Printable Worksheets and Financial Analysis

Free

Internet based presentation of financial options

Free

Credit Briefing – Individual Online

$29.95

Credit Briefing – Joint Online

$29.95

Credit Briefing – Individual Telephonic

$29.95

Credit Briefing – Joint Telephonic

$29.95

Certificate of Credit Briefing

Included in course fee

Refund Policy:

No refunds given after client submits financial data to SSCC for analysis.




Fee Waiver Policy:


Biblical Financial Concepts, Inc. d/b/a Stand Sure Credit Counseling shall waive any fees if the client can adequately demonstrate that their income is less than 150 percent of the poverty guidelines as established by the United States Department of Health and Human Services (DHHS) or if the client is receiving pro bono legal representation for their bankruptcy filing The standard shall be applied to the size of the client’s family for the 48 contiguous states as shown below:


For more information, please call toll free 877-240-1398




2016 POVERTY GUIDELINES FOR THE 48 CONTIGUOUS STATES
AND THE DISTRICT OF COLUMBIA

Persons in family/

Poverty guideline

For families/households household with more than 8 persons, add $4,020 for each additional person.

1

$16,394

2

$22,108

3

$27,821

4

$33,534

5

$39,247

6

$44,960

7

$56,428

8

$61,335

 

2016 POVERTY GUIDELINES FOR ALASKA

Persons in family/household

Poverty guideline

For families/households with more than 8 persons, add $5,030 for each additional person.

1

$14,840

2

$20,020

3

$25,200

4

$30,380

5

$35,560

6

$40,740

7

$45,920

8

$51,120



2016 POVERTY GUIDELINES FOR HAWAII

Persons in family/household

Poverty guideline

For families/households with more than 8 persons, add $4,780 for each additional person.

1

$13,670

2

$18,430

3

$23,190

4

$27,950

5

$32,710

6

$37,470

7

$42,230

8

$47,010

SOURCE:  Federal Register, Vol. 78, No. 16, January 24, 2013, pp. 5182-5183



Non-Discrimination Policy:


SSCC does not discriminate, withhold or condition service on the basis of gender, age, race, color, national origin, sexual orientation, physical ability, or any other protected class. We will also provide free bilingual counseling services or a professional interpreter to any limited English proficient client.



Funding Sources:

Biblical Financial Concepts, Inc. dba Stand Sure Credit Counseling is an Alabama non-profit organization that is funded by fees paid for counseling services as well as private donations.



Qualifications of credit briefing specialist:

All agents, including respondents to student questions regarding course material have received debt briefing training and/or are under the supervision of a manager certified by the Association for Financial Counseling and Planning Education (AFCPE). Certification has been verified by SSCC and copies of their certifications have been provided to the US Department of Justice Executive Office for United States Trustees and the Bankruptcy Administrators in North Carolina and Alabama.





Impact on credit reports:


SSCC does not give legal advice nor are we attorneys. We make no promise, warranty, or guarantee that our services will improve your credit history. Client understands that by filing bankruptcy that the client’s credit report may reflect a consumer credit counseling status or that the client has filed bankruptcy. SSCC does not report client’s credit counseling to any credit bureau.



Referral fees:


SSCC is prohibited from paying or receiving referral fees for the referral of clients.



Credit counseling certificates:

The Executive Office for United States Trustees (“EOUST”) has established a web based system for the issuance of Certificates of Course Completion. SSCC will comply with all EOUST standards and protocols for the issuance of Certificates. As such, students may receive the certificates via electronic mail, via fax, or via First Class Mail. Certificates are generated within one (1) days after successful completion of the Credit Briefing. No certificate will be issued unless client successfully completes the counseling. SSCC shall not be responsible for certificates where the client fails to provide an accurate mailing address, email address or fax number. Clients may also request that certificates be sent directly to their attorney via email or facsimile.



Debt Management Plans:


SSCC does NOT provide “Debt Management Plans” or accept any payments for debt. Client has the right to negotiate an alternative repayment plan with each client but SSCC does not assist in those negotiations. Upon request, SSCC may refer our clients to other counseling agencies that will provide this service.




Disclosure of Information:


We do not disclose (sell, rent or provide) the personally identifiable information you provide to us online to any third party for any marketing purposes. We do however, disclose information you provide to the Executive Office for United States Trustees for use in issuing a Certificate of Completion, and your information may be matched against existing publicly accessible databases for identity verification purposes. Client’s information may also be used in connection with the United States Trustee’s oversight of the agency, or during the investigation of complaints, during on-site visits, or during quality of service reviews.