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Thank you for coming to Allen Credit and Debt Counseling Agency’s (ACDCA) credit
counseling session. Please take a few moments to read over the following information.
A new bankruptcy law went into effect on October 17, 2005. The law requires consumers seeking bankruptcy
protection to participate in credit and budget counseling before a bankruptcy can be filed. Congress
added this provision to the law to ensure that consumers understand all of their options, and that
they have the necessary knowledge and tools to develop a sound financial plan for their future.
ACDCA became approved to issue certificates in compliance
with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services.
Allen Credit and Debt Counseling Agency does not receive any funding from any
agency.
Allen Credit and Debt Counseling Agency does not provide any debt management plans,
debt repair services or contact creditors on behalf of our clients. We have no
impact on your credit reports.
What will happen? Keep in mind that counselors will not offer you legal advice. All financial
information that you give us will remain confidential and private within the confines of the law.
Your counseling session will last at least 90 minutes and will help you develop a picture of your
current financial situation, give you the knowledge you need to determine what should be your next
step, and answer any questions you may have.
Again, please remember that we do not offer credit repair services. We are here to empower you to
take control of your own financial situation. We are not responsible for any final decisions that
you choose to make. Please know that the advice that we give you is only as good as the information
you give us.
Upon completion of the counseling, ACDCA will provide a certificate of completion to the client.
Please note that the certificate is only valid for a 6 month time frame. Your course information will be
available on-line for 6 months after completion.
Fees
Allen Credit and Debt Counseling Agency charges consumers that register for
the Credit Counseling session, I’m Telling You There Is A Chance… a fee of
$50.00 per individual plus sales tax where applicable. Married couples will be charged $75.00,
plus sales tax where applicable, with the first to use our service being charged
$50.00 (plus sales tax) and the second being charged $25.00 (plus sales tax). (Both spouses are required to sign up for the course independently.) Under some circumstances, you may be eligible to have this fee waived. Please
refer to our fee schedule for further details or contact us at (888)415-8173 for instructions on this process.
Please note that we do not offer a credit repair service (commonly known as DMP).
Thank you for registering to take Allen Credit and Debt Counseling Agency’s (ACDCA)
personal financial management course. Please take a few moments to read over the
following information. Your registration will be confirmed once we receive your
payment.
ACDCA is approved to issue certificates evidencing completion of a personal financial management instructional
course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider's services.
ACDCA does not pay or receive fees or other consideration for the referral of debtor
students to the Agency.
Upon completion of the course, ACDCA will provide a certificate of course completion
to the debtor student. Your course information will be available on-line for 6 months after completion.
Fees
Allen Credit and Debt Counseling Agency charges consumers that register for the
personal financial management course (A New Beginning…) a fee of $50.00 per individual,
plus sales tax where applicable, or $75.00, plus sales tax where applicable, for
married couples with the first to use our service being charged $50.00 (plus sales
tax) and the second being charged $25.00 (plus sales tax). (Both spouses are required to sign up for the course independently.)
In order to be registered for a class, payment
is due prior to the onset of the class. Under some circumstances, you may be eligible
to have this fee waived. Please refer to our fee schedule for further details.
About Us
We are here to help those who come to us needing credit/debt counseling
and guidance. We are a non-profit agency, and we employ highly qualified teachers
and counselors who have a combined 25+ years of experience in financial counseling
and education. Our educators maintain valid teaching certificates in multiple states
and/or have degrees in counseling, business, and accounting. Our credit counselors
are required to maintain certification through National Association of Certified
Credit Counselors or through The Association for Financial Counseling and Planning
Education. Allen Credit and Debt Counseling Agency does not give any commission or bonuses to
their teachers/counselors based on the outcome of the counseling services you receive
from the agency.
Qualifications of Agency Instructors
The Agency employs highly qualified teachers and counselors who have a combined
80+ years of experience in financial counseling and education. Our educators maintain
valid teaching certificates in multiple states and/or have degrees in counseling,
business, and accounting. Our credit counselors are required to maintain certification
through National Association of Certified Credit Counselors or through The Association
for Financial Counseling and Planning Education.
Spanish Translation Available
Spanish translation is available Monday, Tuesday, Wednesday & Thursday. Call for
more information: 888-415-8173.
Courses Available
Clients can access our services offered over the internet
www.acdcas.com,
telephonically
(888-415-8173) or in person.
On-site course instruction is available at ACDCA, 195 Brooke St, Wessington, SD
57381 for debtor students wishing to take the either the Credit
Counseling Session or the Personal Financial Management Course.
The session schedule is as follows: Tuesdays at 10:00am, Thursdays at 7:00pm and
Saturday at 1:00pm. Please contact us to schedule a course.
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