CLIENT DISCLOSURES.
1. GENERAL.
The Executive Office of the United States Trustees ("UST") and the Bankruptcy Administrators ("BA") require Debt Reduction Services ("Administrator") to disclose certain information to our clients ("You" or "User") about how we operate and how we are funded. If you have any questions about any of these disclosures, please contact us toll-free at (877) 688-3328.
1.1 FUNDING SOURCES.
Administrator is a Non-Profit, 501(c)(3) tax-exempt organization. Administrator is funded through (1) program service fees, such as those you are paying for counseling; (2) private donations from individuals; (3) donations from corporations; (4) grants and other financial support from creditors; and (5) grants by public and private institutions.
1.2 COUNSELOR QUALIFICATIONS.
Counselors employed by the Administrator are trained by Administrator in the materials presented. Counselors employed by Administrator become "certified" by one or more independent bodies offering such certifications. However, certification by such an independent body is not a requirement of employment by Administrator at the time of hire. If You have a question about the certification of a particular Counselor you are working with, please ask that counselor for that information, or ask to speak with a supervisor.
1.3 POSSIBLE IMPACT ON CREDIT REPORTS.
Administrator does not provide any services which can directly impact Your credit report, either positively or negatively. Administrator will provide You with information about Your options for dealing with Your creditors. Any of these options, if exercised by You, may have a significant impact on your credit report, either positive or negative. Administrator has made a good faith attempt to provide you with unbiased, neutral information explaining the likely impact that exercising particular options would have on your credit report, however Administrator makes no promises, guarantees or warranties, express or implied, as to the information it provides, or to the effects or impacts of any described options that may be exercised by You.
1.3.1 WAIVER OF LIABILITY.
You agree to waive any and all liability on the part of Administrator, to the extent permissible by law, for any and all actions TAKEN BY YOU as a result of the information provided to you by Administrator, including any consequences thereof, whether foreseeable or not foreseeable. You are NOT WAIVING liability on the part of Administrator for actions TAKEN BY ADMINISTRATOR. This waiver also has NO EFFECT on Your rights as set forth in 11 U.S.C. Sec. 111(g) (the United States Bankruptcy Code), which requires that "A nonprofit budget and credit counseling agency [such as Administrator] that willfully or negligently fails to comply with any requirement under [the Bankruptcy Code] with respect to a debtor shall be liable for damages in an amount equal to the sum of (A) any actual damages sustained by the debtor as a result of the violation; and (B) any court costs or reasonable attorneys' fees (as determined by the court) incurred in an action to recover those damages."
1.4 COSTS OF SERVICES. The following price schedule represents the only possible charges that you will incur from Administrator for counseling. If ANY INDIVIDUAL OR ORGANIZATION, whether or not such individual or organization is an employee or representative of Administrator, seeks payment for the Administrator's services which are not included on the fee schedule below, which are greater than the amounts set forth on the fee schedule below, or for which you have already paid, please contact Administrator IMMEDIATELY at (208) 378-0200 or toll-free at (877) 688-3328 and request to speak with the Director of Counseling.
1.4.1 FEE SCHEDULE.
Description of Service Fee
Single User Credit Counseling $50.00
Joint (User and spouse) Credit Counseling $60.00
1.5 HOW FEES/COSTS ARE TO BE PAID. You are solely responsible for the payment of these fees, except as otherwise required under 11 U.S.C. Sec. 111(c) (the United States Bankruptcy Code), which requires that "if a fee is charged for counseling services [or the instructional course], [Administrator must] charge a reasonable fee, and provide services without regard to ability to pay the fee." If You have placed payment for Administrator's services in the custody of a Facilitator prior to requesting Administrator's services, You authorize us to collect those funds directly from that Facilitator.
1.6 REFUND/RETURN OF PAYMENT. In the event You are not satisfied with the program for any reason within 90 days of registration, You may request, in writing, a full refund of any fees paid. The written request should be mailed to: Debt Reduction Services, Attention: Client Refunds, 6213 N Cloverdale Rd Ste 100, Boise ID 83713
1.7 OTHER DISCLOSURES. Administrator does not take, request nor accept funds or money belonging to User, or owed to User's creditors, under any circumstances. If any employee or representative of Administrator attempts to collect such funds, contact the Administrator IMMEDIATELY at (208) 378-0200 or toll-free at (877) 688-3328 and request to speak with the Director of Counseling.