PROCESS

• BUDGET WORKSHEET - Please download the budgeting worksheet. You will learn about the worksheet in the online session and will need to complete it prior to your final phone counseling session.

• REGISTER ONLINE - In this section you will register and make a payment of $30 for individuals, $50 for couples (plus processing fees) for the online session. Once your payment is submitted you will be directed to the online Pre-Bankruptcy session.
• ONLINE PRE-BANKRUPTCY SESSION - You will need to complete the online session and follow all directions. The session will last approximately 1 hour. NOTE: Do not fast forward the presentation! You will get kicked out and have to repay for the entire webinar.
• PHONE COUNSELING SESSION - After completing the webinar, you will need to e-mail a copy of your completed remedial cashflow worksheet along with your allocation to: Tara@financialrehabinc.com along with a phone number and best time of day to reach you. A counselor will review your cash flow worksheet, allocation schedule, options to manage debts along with a client action plan. Be prepared to answer a few questions about the webinar.
• CONGRATULATIONS! You have successfully completed the final stage of the online Pre-Petition Bankruptcy session and must now call and speak with one of our certified counselors to complete the counseling requirement.

FRI is approved by the U.S. Department of Justice for Bankruptcy Reform Credit Counseling in the states of Minnesota and Wisconsin. Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's Services. FRI receives grants from foundations as well as receives revenue from contractual relationships along with consumer fees for counseling. FRI provides certified and experienced credit counselors. FRI offers financial and budget counseling that help consumers understnad their financial position as well as how to deveop a budget and options to manage debts. The counseling consultation is not reported to the credit reporting agencies but a debt management program as well as a bankruptcy will be reported. FRI is a 501c3 non-profit public charity. The fee for counseling is determined by the Federal Poverty Guidelines, annual gross household income and how many people are in the household. FRI accepts payment for counseling via cash, check, money order or PayPal.