Bankruptcy Education Disclosure

Instructor Qualifications

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 16 Professional Development Units every 2 years.

Cost of Services

The fee for debtor education services provided by Navicore Solutions is fifty dollars ($50.00). There is no additional fee for consumers completing the course jointly. 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 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.

Privacy Disclosure

Navicore Solutions does not disclose any nonpublic personal information about our customers except as permitted by law, subpoenaed by court or if required, disclosed to the US Trustee. Navicore Solutions does not disclose information to credit reporting agencies that a customer has sought instruction. The United States Trustee has reviewed Navicore Solutions’ post-bankruptcy personal financial management instructional course and its services as a credit counseling agency pursuant to 11 U.S.C. 111( c)), 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.

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