All of Navicore Solutions’
Counselors must meet certification requirements, as set forth by the National
Foundation for Credit Counseling (NFCC) Code of Practice. A counselor is required
to complete a testing and certification program, as conducted by the NFCC, in
order to be designated as a Certified Consumer Credit Counselor. Once a
counselor successfully completes the certification program, the standard
requirement for certification has been fulfilled and the counselor is
designated as a Certified Credit Counselor. In order to maintain Certified
Credit Counselor status, the counselor is required to uphold the NFCC Code of
Ethics and earn a minimum of 20 Professional Development Units every 2 years.
Cost of Services
The cost of counseling services
provided by Navicore Solutions to individuals is not to exceed fifty dollars
($50.00). Payment may be made online, by phone, check or money order. No
individual will be refused the course if they demonstrate the inability to pay
due to income level and/or hardship situation. Navicore Solutions will waive
the fee if your household income falls below 150% of the poverty guidelines, as
determined by the U.S. Department of Health and Human Services or, if you are
receiving your legal services pro bono. The waiver request form is available on
our website or can be requested from one of our counselors. This form must be
submitted along with proof of income or pro bono services prior to the start of
your counseling session. Navicore Solutions provides exceptional counseling
services that are available to the public regardless of income, sex, age, place
of residence, or any other demographical criteria. It is Navicore Solutions’
obligation to provide a certificate of counseling completion in a prompt
manner. Client will receive a certificate only if client completes the course.
Navicore Solutions does not pay
or receive compensation or other consideration for the referral of debtor
students to or by Navicore Solutions.
Navicore Solutions does not
disclose any nonpublic personal information about our customers except as
permitted by law. Navicore Solutions does not disclose information to credit
reporting agencies that a customer has sought instruction. The United States
Trustee has reviewed Navicore Solutions’ instructional course, yet has neither
reviewed nor approved any other services. Navicore Solutions might disclose
debtor information to the United States Trustees in connection with the US
Trustees oversight of the provider during the investigation of complaints,
during on-site visits, or during quality of service reviews.
Course Times & Locations
The personal financial
education course provided by Navicore Solutions is provided online only.
Navicore Solutions provides course instruction in English and Spanish. Navicore
Solutions refers non-English and non-Spanish clients to another agency for assistance.