Product Pricing
StartFreshToday has used state-of-the-art technology and aggressively negotiated
with a group of third party vendors to provide the most attractive pricing in
the market. With just a few clicks, you can order all required BAPCPA products
and rest assured that you are getting the best price for your clients. And, our
pricing is flexible, allowing you to order products ala carte, in standard and
custom packages or in "lots" to take advantage of deep discounts.
À La Carte Prices
Below are the prices for items ordered individually.
Credit Counseling Certification - $30.00
Our state-of-the art Certification Program offers a 90-minute, interactive,
online process that presents valuable information to your client and covers all
curricula as set forth by the UST. Please note that we are not a credit
counseling agency. We have coordinated a pool of reputable, independent 501c3
credit counseling agencies to quickly review your client's data and post a PDF
of the credit counseling certification to your client's account.
We simply facilitate the relationship between the agency and your client and
provide for a consistent briefing delivery. When you purchase the briefing, we
assign your client to an agency in the client's district. Additionally, all
client data from our free Means Test instantly transfers to the Certification
Program in an easy-to-use, editable format.
Telephonic Credit Counseling Certification - $50.00
Completion of an approved Credit Counseling Briefing is required before filing
bankruptcy. Complete your credit counseling requirement over the
telephone, with a counselor from an approved agency.
Debtor Education Course - $49.00
This instructional course engages your client through interesting content,
graphics and interactive features. Your client will answers questions related
to the content on each web page and will be presented with an elementary quiz
at the end of each section of the course.
Please Note: Debtor Education: Our state-of-the art Debtor Education
Instructional Course Program matches the consumer with an EOUST approved debtor
education provider and offers a 2-hour, interactive, online process that meets
all Bankruptcy Reform Act requirements. We facilitate the relationship between
you, your client and the approved educational provider.
Telephonic Debtor Education Course - $59.00
StartFreshToday has developed a two-hour telephonic course in financial
management that meets all UST requirements. This telephonic
instructional course guides your client through the basics of tracking
expenses, building a budget, using credit wisely, consumer protection laws and
identity theft issues. Your client will answer review questions at the end of
each section, and then take an oral quiz at the end of the session.
Credit Reports
Compilation report outlining the liabilities associated with a consumer.
Delivered in real-time and provided in a viewable PDF format for purposes of
loading directly into petitions.
Two-Source Credit Report: Individual - $20.00
Two-Source Credit Report: Joint - $40.00
Three-Source Credit Report: Individual - $30.00
Three Source Credit Report: Joint - $50.00
Tax Transcript - $35.00
With populated 4506 Request Forms, clients simply have their client sign the
respective form and send it back via fax. Up to four years of historical tax
transcripts may be obtained within 24 - 36 hours. Once completed, all
transcripts are uploaded to the consumer's order within StartFreshToday.
Lien Search & Ownership Report - $69.00
StartFreshToday's lien search report provides you with detailed information
regarding any liens that may be held against a particular property and an
ownership report to ensure that your client's ownership information is
accurate.
AVM Home Appraisal - $20.00
Highly Accurate Valuations provided in real-time for the majority of properties
throughout the United States.
Standard Package Prices
Below are the prices for items ordered as packages.
Credit Counseling Debtor Education- $69.00
This package includes: Credit Counseling and Debtor Education.
Individual Filer with No Real Estate- $134.00
This package includes: Credit Counseling, Debtor Education, Individual
Three-Source Credit Report, Tax Transcripts and Auto Valuation.
Joint Filer with No Real Estate - $154.00
This package includes: Credit Counseling, Debtor Education, Joint Three-Source
Credit Report, Tax Transcripts and Auto Valuation.
Individual Filer with Real Estate - $223.00
This packages includes: Credit Counseling, Debtor Education, Individual
Three-Source Credit Report, Tax Transcripts, Auto Valuation, Lien Search,
Ownership Report and AVM.
Joint Filer with Real Estate - $243.00
This packages includes: Credit Counseling, Debtor Education, Joint Three-Source
Credit Report, Tax Transcripts, Auto Valuation, Lien Search, Ownership Report
and AVM.
* Pricing is subject to change without notice.
As mandated by an Act of Congress and the President of the United States, we are
proud to be a Federally designated Debt Relief Agency, helping people file for
relief under the Bankruptcy Code.
All SFT-affiliated Providers are approved to issue certificates evidencing completion of a credit counseling briefing and/or personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider’s services.
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:
- 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.
- Non-cash governmental assistance (such as food stamps or housing subsidies) is not included in calculating debtor income.
- 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.
- 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, LLC.
ATTN: Fee Waivers
Email: info@startfreshtoday.com
Fax: 1-866-209-9860
Mail: 25 E Washington Street, 5th Floor, Chicago, IL 60602
* Disclosure Regarding the Purchase of Multiple Products and the Purchase of Debtor Education Prior to filing bankruptcy
The Congressional intent of requiring debtors to receive a pre-filing credit counseling briefing prior to filing bankruptcy is to provide debtors with the opportunity to be presented with all bankruptcy and non-bankruptcy alternatives before deciding whether or not to proceed with bankruptcy. After receiving your pre-filing briefing from an agency, found on StartFreshToday.com, you may decide not to proceed with bankruptcy, in which case you will not ever need to take a pre-discharge educational course. Even if you decide to file bankruptcy, if you file a Chapter 13 bankruptcy, you may not need a pre-discharge educational course for a few years, or not at all if your case is dismissed prior to discharge. Nonetheless, Start Fresh Today Instructional, LLC has agreed to provide you with a discount on the purchase price of a pre-discharge educational course if you also have, at any time, purchased a pre-filing credit counseling briefing on StartFreshToday.com., even though the educational course may not be needed until the end of the bankruptcy case, or, in some circumstances, not at all. Please be advised that:
- You may return to StartFreshToday.com at any time after you take your credit counseling briefing and purchase the Start Fresh Today Instructional, LLC educational course at a discounted rate. You need not purchase the educational course at the same time as the briefing in order to receive a discount.
- If you do purchase the educational course at the same time as the briefing and later decide NOT to file for bankruptcy, you should contact SFTI for a full refund of your educational course fee.
- If you do purchase the educational course at the same time as the briefing and later decide to file a Chapter 13 bankruptcy, you should immediately contact SFTI for a full refund of your educational course fee, as you may not need to take a pre-discharge educational course for a few years (or not at all if your Chapter 13 is dismissed before discharge), or the course may be offered for free by your Chapter 13 trustee.
Start Fresh Today, LLC.
ATTN: Refunds
Email: info@startfreshtoday.com
Fax: 1-866-209-9860
Mail: 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:
| |
Pre-Filing Bankruptcy Credit Counseling (provided by Approved Agencies) |
Pre-Discharge Debtor Education (provided by SFTI) |
Together |
| Individual Online Session |
$30 |
$49 |
$69 |
| Joint Online Session |
$30 |
$49 |
$69 |
| Individual Telephonic Session |
$50 |
$59 |
coming soon |
| Joint Telephonic Session |
$50 |
$59 |
coming soon |
- 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 Friday, and 1 P.M. to 7 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, 8 A.M. to 8 P.M. Fridays and 9 A.M. to 5 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 Friday, and 1 P.M. to 7 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.
- Registered Agent's Address: National Registered Agents, Inc., 3533 Fairview Industrial Drive SE, Salem, OR 97302-1155.
- 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 800-435-6205. 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, LLC.
ATTN: Refunds
Email: info@startfreshtoday.com
Fax: 1-866-209-9860
Mail: 25 E Washington Street, 5th Floor, Chicago, IL 60602.