Disclosure Statement

Start Fresh Today Instructional is a provider of the pre- discharge personal finance debtor education course in accordance with the Bankruptcy Reform of Act of 2005.This interactive course fulfills your BAPCPA Debtor Education Course requirement. It automatically saves your progress so you may leave and come back at any time. This course contains engaging content and animated narrators to give you a rewarding and informative experience. Learn about budgeting, money management, rebuilding credit, credit rights and get your debtor education certificate.

Fee Waiver

Agencies Providing Briefings and Start Fresh Today Instructional agree to waive any fees if the consumer or debtor student has income less than 150 percent of the poverty guidelines last published by the United States Department of Health and Human Services (DHHS) http://aspe.hhs.gov/poverty/08poverty.shtml applicable to a family of the size involved in the 48 contiguous states.

Please Note:

1. The income for comparison to the poverty guidelines is the "Total Combined Monthly Income" as reported (or as will be reported) on Line 16 of Schedule I of the bankruptcy petition.
2. Non-cash governmental assistance (such as food stamps or housing subsidies) is not included in calculating debtor income.
3. The income of a spouse is included in calculating income whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not fled.
4. The income of any other family member listed on Schedule I as a dependent also is included.

Please consult with your attorney to see if you qualify. If your attorney cannot help you, call the Start Fresh Today Instructional Customer Service Line at 1 (800) 435-9138 to see if you qualify for a waiver. To arrange for a waiver, please forward a written request for the waiver along with evidence of any and all income to:

Start Fresh Today, Inc
Attn: Fee Waivers
Email: Info@StartFreshToday.com
Fax: 1-866-209-9860 25 E Washington Street, 5th Floor
Chicago, IL 60602

Other Disclosures

• SFTI and Agencies providing briefings charge fees for some services to cover the cost of providing the service. These fees including any postage, shipping, handling and materials. The fee is due and payable at the time of service.
  
  

  Maximum Fee Schedule:



• Neither the Provider nor the Agencies pay or receive fees or other considerations for the referral of debtors or consumers to or by the provider or agencies.
• The briefing and the course are offered regardless of the consumer's or debtor's ability to pay.
• Course and briefing materials are provided through the Internet via an interactive learning module. The Internet course can be accessed online 24 hours a day / 7 days a week and 365 days a year at the student's convenience. Educators are available via telephone to provide further instruction and to certify completion from 9 A.M. to 9 P.M. Eastern Standard Time (EST), Monday through Thursday, Friday 9 A.M. to 8 P.M., and 10 A.M. to 4 P.M. EST on Saturdays. Educators are not available on Sundays.
• Briefing materials are provided via a live telephonic one-on-one briefing with a credit counseling agency who has been engaged by Start Fresh Today, Inc. to fulfill briefings ordered at the StartFreshToday.com website. Approved Agencies are available to conduct live telephonic credit counseling briefings from 8 A.M. to 10 P.M. Eastern Standard Time (EST), Monday through Thursday, 9 A.M. to 6 P.M. Fridays and 10 A.M. to 4 P.M. EST on Saturdays. Agencies are not available on Sundays.
• Course materials are provided via a telephonic pre-recorded course. The telephonic course can be accessed via telephone 24 hours a day / 7 days a week and 365 days a year at the student's convenience. Educators are available via telephone to provide further instruction and to certify completion from 9 A.M. to 9 P.M. Eastern Standard Time (EST), Monday through Thursday, Friday 9 A.M. to 8 P.M., and 10 A.M. to 4 P.M. EST on Saturdays. Educators are not available on Sundays.
• If you are disabled as defined by the Americans with Disabilities Act, SFTI has arranged for assistance to be provided to you by the Message Relay Center. You can access this service by calling 1-877-627-3529.
• For Oregon students only, Start Fresh Today Instructional, LLC has obtained a $25,000.00 bond from North American Specialty Insurance Company, 1200 Arlington Heights Rd., Ste 400, Itasca, IL 60143-2526, Bond (#2067349) for the purpose of providing a pre-discharge personal finance debtor education to Oregon students accordance with the Bankruptcy Reform Act of 2005. Any Oregon student who suffers damage as a result of a violation of any provision or ORS 646.380 to 646.398 and 646.608 or any rule adopted by the Director of the Division of Corporations of the Oregon Secretary of State pursuant to ORS 646.382 to 646.398 shall have a right of action under this bond. An action on the bond may be brought by the state or by any consumer filing a complaint in a court of competent jurisdiction not later than one year after the surety bond is cancelled or terminated.
• The Start Fresh Today Instructional supervisors have been providing personal financial related educational material for over twelve years. Prior to providing debtor education, each SFTI educator is required to be certified as an Accredited Financial Counselor and maintain certification as such by the Association for Financial Counseling and Planning Education (AFCPE). Among other certification requirements, each educator must:
• Identify proctor at local community college, learning center and complete the exam. Candidates must earn a 70% on each course examination.
• Subscribe to the AFC Code of Ethics
• Submit three letters of reference attesting to professional competence (one from supervisor, one from a fellow professional and one from a client).
• Have two years of admissible financial counseling experience:
• Offering one-on-one counseling or advising services for clients.
• Developing and conducting education and training for clients.
• Developing education and training programs for financial counselors.
• Education and training financial counselors.
• Serving as an education director for a financial counseling organization.
• Supervising financial counselors.
• All SFTI educators are AFCPE certified and:
• Possess certified skills to assist individuals and families in the process of financial decision making.
• Agree to maintain the highest ethical standards as written in the AFC Code of Ethics.
• Maintain up-to-date knowledge in the fields of personal finance and financial counseling.
• Have certified skills to assist individuals and families in the complex process of financial decision making, including the ability to:
• Educate clients in sound financial principles.
• Assist clients in the process of overcoming their financial indebtedness.
• Help clients identify and modify ineffective money management behaviors.
• Guide clients in developing successful strategies for achieving their financial goals.
• Support clients as they work through their financial challenges and opportunities.
• Help clients develop new perspective on the dynamics of money in relation to family, friends and individual self-esteem.
• Upon completion of the course or briefing, SFTI or the Approved Agency, will provide a certificate of course or briefing completion to the debtor student or consumer, respectively.
• The Provider and the Agencies are approved to issue certificates evidencing completion of personal financial management instructional course and the pre-bankruptcy credit counseling briefing, respectively, in compliance with the Bankruptcy Code. However, approval does not endorse or assure the quality of the approved Provider's or Agency's services.

If you reside in the state of Oregon, and agree to the terms and conditions of the preceding disclosure, you need to print the disclosure and fax a signed copy to 866-209-9860. Upon receipt an agent will contact you to process your order. If you do not agree to the preceding disclosures, do not order the course, or you can arrange for a refund by contacting us at:

Start Fresh Today, Inc
Attn: Refunds
Email: Info@StartFreshToday.com
Fax: 1-866-209-9860 25 E Washington Street, 5th Floor
Chicago, IL 60602